Consumer Loans

Personal Loans, Lines of Credit and Lifestyle Loans


Debt relief is here with our Eagle Line of Credit!

Our Eagle Line of Credit gives you the ability to borrow up to $25,000 to consolidate debt into one payment, take a vacation or for what you need when you need it at your convenience.

The Eagle Line of Credit is a self-managed loan...on your terms.

Apply Now and get an answer in minutes!

You can access your money at the ATM, thru Online Banking, with PAT24 bank by phone, write a check or call us at
413-733-2800. The Pioneer Valley Eagle Line of Credit can get you the cash you need today!


  • Personal Loans- Fixed amount loan based on your credit profile.  Borrow up to $25,000 to consolidate debt and much more!
  • Personal Living Loans- Fit for your lifestyle. You can use the funds for debt relief, emergency expenses, medical procedures/bills, dentistry, vision care, hearing aids, vacation, wedding, honeymoon, moving/relocation expenses, auto repairs, taxes, work equipment, computer, funeral expenses, veterinary care and more. 
  • Overdraft Line of Credit- Automatically funds your checking account  to help you avoid costly overdraft charges and embarrassing situations.
  • Share Secured Loan- Use your share account as collateral with a lower interest rate. We give you the choice and flexibility of payment options.
  • Share Certificate Secured Loan- Use your Share Certificate for collateral and have up to the maturity date to repay.
  • Student Loans- Pioneer Valley Credit Union offers Student Loans for every stage of your life.  With Student Loan options for our members attending college, members with children attending college and consolidation options for graduates we have you covered.  Click here for more information.

Apply for a Loan Now!    View Rates

Heat Loan Solutions

0% Mass Save HEAT Loan for Energy Efficient Upgrades!

Winter, spring, summer or fall we have energy loans for it all. PVCU has partnered with the Mass Save HEAT Loan Program to offer 0% loans for energy efficient upgrades. You can borrow up to $25,000 to make improvements on your home. Energy efficiency improvements eligible for the 0% Mass Save HEAT Loan Program includes:
•Attic, Wall, and Basement Insulation
•High Efficiency Heating Systems
•High Efficiency Domestic Hot Water Systems
•Solar Hot Water Systems
•7-Day Digital Programmable Thermostats
•ENERGY STAR® Qualified Replacement Windows

This program is offered year-round for those who qualify. Speak with a Loan Representative for details.