Consumer Loans

Personal Loan Solutions

You have needs and we have solutions to help you get access to the money to fund them. Our Personal Loans, Lines of Credit and Lifestyle Loans are here for you. 

No Fee Balance Transfers are available with our Eagle Line of Credit, Personal Loans and Personal Living Loans!

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.

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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 transfer balances from high interest credit card debt, 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.


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0% APR* Mass Save® HEAT Loan Program

No-interest loans are available for home energy efficiency improvements through the Mass Save HEAT Loan Program.* As a participating lender, we offer these no-interest loans on qualifying improvements, including:

  • Mass Save Recommended Attic, Wall and Basement Insulation
  • Heating Systems
  • Domestic Hot Water & Solar Hot Water Heaters
  • Central Air Conditioning and Heat Pumps
  • ENERGY STAR® Qualified Replacement Windows
  • Energy-Efficient Thermostats

Please visit for more information. 

HEAT Loans are available to customers of Cape Light Compact, Eversource, National Grid, Unitil Electric, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities.

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

*Annual Percentage Rate (APR). Monthly payment example $5,000.00 loan at 0.00% APR = $59.52 for 84 months. Maximum unsecured loan amount $15,000.00. Subject to Mass Save Heat Loan Program guidelines and credit approval. Additional terms and conditions may apply. Visit or call 1-866-527-SAVE (7283) for details and to learn more about the program.