OnTrak Loan

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Take control of your financial future.

If you have experienced financial challenges and want to build a better financial future, our OnTrak Loan is for you. Designed to assist in rebuilding your credit, this unsecured loan does not require you to meet standard lending criteria.

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Enjoy these convenient features & benefits:

Fixed Interest Rate

Flexible Terms

No Prepayment Penalties


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6 - 36 Months
25.00% APR1
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Applying for a Loan is Easy

Simply visit your local branch and a Member Service Specialist will assist you in opening an OnTrak Loan.


To get an OnTrak Loan, you must be a member of the credit union.

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Loan Protection Gives You Peace of Mind 

Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with Debt Protection.2

Ask to add Debt Protection at any Valley First branch.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.

Learn More

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Not yet a member?

You can establish membership if you meet our membership eligibility requirements  and open a Primary Share Account. Learn about the many perks of membership.

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1APR = Annual Percentage Rate.  6 monthly payments of $179.06 per $1,000 borrowed at 25% fixed APR.  36 monthly payments of $ 39.77 per $1,000 borrowed at 25% fixed APR.  All loans subject to credit approval. Rates, terms and conditions subject to change. 

2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. GAP Advantage is administered by SWBC. These products are not insured by the National Credit Union Administration.