Personal & Convenience

Convenience Loans

  • Personal Lines of Credit for when you need cash for unexpected expenses, any time!
  • A Gateway Line of Credit Loan has NO credit score requirement
  • Loans with shorter terms and lower balances
  • A Share Secured option can help re-build (or build) your credit
  • Apply Now!

Personal Lines of Credit

When you need additional funds from time to time, and don’t want to be restricted by a specific term loan, a line of credit ensures the money you need is available when you need it. A Line of Credit is perfect for annual expenses that can be paid off sooner, like taxes, vacations, and regular home repairs and expenses. Access your credit line from Home Banking and Mobile Banking – simply transfer the funds into your corresponding checking account and use your Visa Check Card to make purchases, or withdraw the funds from an ATM. Borrow anywhere from $500 to $20,000 and the Line of Credit stays open for as long as you need it

Personal Loans

If your needs aren’t covered by the traditional loan options we offer, a personal loan is the way to go. You can borrow as little as $500 to cover an unexpected expense, plan a vacation with your family, make necessary auto or home repairs and more!

Share or Certificate Secured Loans

If you might not qualify for a traditional loan, you can use the money you have saved to give yourself a loan. Borrow against your savings and continue to earn dividends on your balance throughout the term of your loan!


Gateway Line of Credit1

gate•way (n.): Something that serves as an entrance or a means of access.

  • Realistic rates and terms
  • Options that can help re-build (or build) your credit
  • Apply Now!

At Qualstar, our goal is to make sure our members have the products and services that meet their needs, even when a traditional loan won’t work for the individual’s financial situation. Our Gateway loans are designed to help get our members back on track, while still giving them access to credit. Maybe you need a quick loan to get some car repairs done; maybe you need to cover some unexpected medical expenses; maybe you just need help getting from one paycheck to the next. Regardless of the reason, our Gateway Loan is designed to make sure you have the funds when you need them.

Provided as a payday loan alternative with a much lower rate, a Gateway Line of Credit doesn’t require a minimum credit score, but once you have it and make regular payments it can help improve your score, or get you started off on the right foot if you didn’t have any credit to begin with.

  • $500 line of credit
  • No minimum credit score required
  • $50 minimum monthly payment
  • No advance fee when accessed through ATM or Home Banking.

1 Additional Gateway Line of Credit Details: $5 monthly service fee; $5 advance fee when done through the Call Center or branches; loan approval requires an electronic deposit (payroll, government, ACH, etc.) of at least $100 for three consecutive months; applicant cannot have a current negative account or delinquent loan.