Loans

Let’s get you behind the wheel and in control of the financing.

With a loan from Pillar, you’re in the driver’s seat.

We offer loans for the purchase or refinance of cars, trucks, motorcycles, recreational vehicles, and boats.

Work with us to get pre-qualified or take care of everything at the dealership.

Available to current members only. Not a member yet?

Get the Loan You Need to Make Your Dreams a Reality

At Pillar Credit Union, we understand that a reliable and stylish vehicle is an important part of everyday life. Whether you're looking for a recreational vehicle or boat, we offer flexible loan options to help you finance your dream vehicle.

With competitive rates, a range of financing options, and a team of experienced loan officers, we make it easy for you to get behind the wheel of the vehicle you want. Our loans are available for new and used vehicles, giving you the flexibility to choose one that fits your budget and lifestyle.

Ready to take the next step? Contact either of our branches and ask to speak with a loan officer today. Our team will be happy to answer any questions you have and help you get started on the path to vehicle ownership. Apply now and start driving your dream vehicle today

Get the Personal Loan You Need with Pillar Credit Union

Are you facing a big expense, looking to consolidate debt, or just need some extra cash for a special project? Pillar Credit Union offers flexible personal loans to help you take control of your finances and make your dreams a reality.

With competitive rates, flexible repayment terms, and a fast and easy application process, getting the money you need has never been simpler. Our experienced loan officers are here to answer any questions you have and guide you through the process, so you can focus on what really matters.

Why Choose Pillar Credit Union for Your Personal Loan Needs?

• Competitive rates

• Flexible repayment options

• Fast and easy application process

• Experienced loan officers to guide you through the process

Don't let finances hold you back. Get the personal loan you need with Pillar Credit Union and take control of your financial future.

Get the Loan You Need with Confidence with a Shared Secured Loan from Pillar Credit Union

Do you need a loan but want to keep your savings intact? A shared secured loan from Pillar Credit Union may be the solution you're looking for. With a shared secured loan, you use your savings account as collateral, giving you the peace of mind of knowing that your savings are secure while you get the loan you need.

Why Choose a Shared Secured Loan from Pillar Credit Union?

• Keep your savings intact while getting the loan you need

• Competitive rates

• Flexible repayment options

• Fast and easy application process

• Experienced loan officers to guide you through the process

Take control of your finances with confidence. Get the loan you need with a shared secured loan from Pillar Credit Union.

Is your home worth more than you owe? If so, you might want to explore a home equity loan from Pillar Credit Union. With a fixed-rate home equity loan, you can turn the equity in your home into cash and use it for anything you want, from home improvement projects to a much-needed family vacation.

Our Home Equity Loan applications are given special priority and processed quickly to give you a fast response.

Let us help you find the perfect home!

Going from “can we?” to “we can!” is something we love doing here at Pillar. With the fast-moving real estate market, you need to go into the process with certainty. Reach out to us to see if you’re pre-qualified.

Getting pre-qualified is like getting an estimate from a lender detailing how much of a loan you can likely afford. It serves more as a guide of what you may qualify for rather than a conditional loan approval.

Conventional Mortgages

• Fixed terms of 10, 15, 20, and 30 years

• 5% minimum down payment options

• Refinancing is available, including cash out, so you can access your home's equity for remodeling projects, debt consolidation, and life's other expenses

• Financing is also available for vacation homes and investment properties

HomeReady Loans

Have you been thinking about buying a home but not quite sure if you qualify for a mortgage loan? With a Pillar Credit Union HomeReady Mortgage, we’ll help you buy a home, hold onto savings and save money throughout the life of your loan – with as little as 3% down. And unlike other home loans, your down payment and closing costs can be funded from a gift from a relative.

• $500 cash reward after the 60th on-time mortgage payment

• Lower PMI or NO PMI options available (Private Mortgage Insurance)

• Smaller down payment (as a little 3% down)

• Helps first-time and repeat homebuyers obtain homeownership

• You can include non-occupied co-borrower income

Rural Development Loans (USDA)

If you thought U.S. Department of Agriculture (USDA) loans were just for farmers – think again. Program guidelines are very specific – but don’t let that stop you from achieving your homeownership goals. Many homes in Marion, Morrow, Crawford, Wyandot, Richland, and Hancock Counties meet the guidelines! Our USDA financing professional will help you navigate through the USDA loan process and determine if you are eligible. Visit www.usda.gov to see if your potential home qualifies.

• 100% mortgage LTV based on the APPRAISED value

• Zero down payment, and there is no minimum contribution required

• 30-year fixed-rate only

• Low-interest rates

• Flexible credit guidelines

• Not limited to first-time homebuyers

Get the Car You Want, Hassle-Free with Indirect Lending from Pillar Credit Union

At Pillar Credit Union, we are committed to making your car-buying experience as smooth and stress-free as possible. That's why we've partnered with CRIF Lending Solutions to offer indirect lending for our members. With indirect lending, you can purchase a vehicle from select dealers in Marion, Delaware, Mansfield, Bucyrus, Findlay, Tiffin, Columbus, and many other cities throughout Ohio and have all of the paperwork done at the dealership.

How Does Indirect Lending Work?

• Visit a CRIF dealership and choose the car you want

• Tell the salesperson you want to finance your new vehicle with Pillar Credit Union

• Fill out a simple application at the dealership

• Enjoy your new car and make payments to Pillar Credit Union

Don't let the hassle of financing hold you back. Get the car you want, hassle-free with indirect lending from Pillar Credit Union. Ask your dealership if they are a CRIF dealership today!"