Whether you’re planning a home improvement, dream vacation, special event, or need help covering unexpected expenses, Excite Credit Union personal loans give you fast access to funds with predictable monthly payments and competitive fixed interest rates. Manage your loan easily through Online and Mobile Banking and enjoy peace of mind knowing exactly what you’ll pay each month.

Why an Excite Personal Loan Makes Sense

• Flexible loan options for everyday needs, planned purchases, or emergencies
• Competitive fixed rates for consistent monthly payments
• Multiple loan amounts to match your financial goals
• Simple online management through Online & Mobile Banking

For short-term cash needs, our Helping Hand and PayCycle loans offer safer, more affordable options than traditional payday loans — helping you cover expenses without excessive fees or long-term debt.
 

Feature / Loan Type	Helping Hand Loan	PayCycle Loan
Purpose	Short-term small cash needs	Short-term emergency cash with extended repayment
Loan Amount	$300 – $500	$750 – $2,000
Terms	Up to 3 months	Up to 12 months
Interest / Fees	No interest / $20 application fee	Low fixed interest rate / no application fee
Credit Requirements	No credit check (must be a Member 6+ mos)	Credit check required (must be a Member 90+ days)
Best For…	Quick cash for minor unplanned expenses	Larger short-term cash needs with structured repayment
Online Management	Yes	Yes
Benefits	Fast access, minimal cost, easy approval	More borrowing power, predictable payoff schedule

• Flexible uses — cover life’s big moments and unexpected expenses
• Affordable payments — fixed rates help make budgeting easier
• Convenient access — manage your loan anytime, anywhere
• Member-first options — designed to help you avoid payday lending traps