Consumer Loans

Apply for a Consumer Loan

Loans are made for almost any purpose at low, simple interest rates established by the CSCU board of directors. Interest on consumer loans is calculated on the daily unpaid balance.  Repayment of installment loans can be made easily through automatic transfers between CSCU accounts, by debiting another financial institution or online.  Payments may also be mailed or presented to any of our member service representatives.  Early repayment, in whole or in part, may be made without penalty.

Loans without collateral are regarded as signature loans, and the amount available is based on income, credit history and the ability to repay.  Loans in excess of the signature loan limits require collateral and are limited by the type of collateral and the amount of monthly payment that you are able to afford.

Lending Hotline:  580-718-4050

Loans we offer at CSCU are:

  • New and used cars/trucks/vans/boats
  • New and used recreational vehicles
  • New and used motorcycles
  • New and used camping trailers
  • New and used tractors
  • Signature loans
  • Share (Savings) secured loans
  • VISA Credit Card

Loan Payment Methods

Holiday Skip-A-Pay

Available in December or January on eligible closed-end consumer loans, by calling our Loan Department at (580)718-4050. Ever wish you could hit “pause” on your monthly loan payment(s)?  With our Skip-a-Pay program, you can skip a payment on eligible CSCU Vehicle or Signature loans!  Members can apply to skip up to 1 payment/year, 3 total skips/life of loan, up to 2 loans/year.  To be eligible, your loan must be current, open at least 6 months with no late/partial/skipped payments this year, no charge offs on any prior CSCU loans, with maximum of 1 Skip A Pay or Hardship Extension per calendar year, and a total of 3 skips/extensions over the life of the loan. ** This is a Loan Extension Agreement and is available for closed end consumer loans only. Interest continues to accrue during the month skipped, and loan maturity date will extend one month beyond the current maturity date. This Agreement does not otherwise alter the original terms and conditions of the loan contract. Regular payments resume the month after the skip. Each Guarantor hereby consents to this extension of the loan by the Borrower and the Credit Union, without affecting the liability of any Guarantors. Guarantors agree that this or any notice by the Credit Union to any of these makers shall constitute notice to any and all Guarantors, who waive any and all notice required by the Uniform Commercial Code or applicable law. All Guarantors agree that these terms apply to them jointly and severally. Maximum of two eligible loans skipped or hardship extension per borrower per calendar year. I understand that if my loan is not eligible, my payment cannot be skipped. This Agreement is only effective upon the withdrawal of a $48 skip fee by the Credit Union. To accept this offer, learn more, or see if you are eligible to skip, simply email or call our Loan Department at (580)718-4050.

Loan Protection

CSCU offers the following insurance options for your loan:

Fuel Economy Guide


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