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24 Hours a Day - 7 days a week - Apply Online for a CPCU Loan Anytime

To process your loan application, additional information may be requested, including your most recent pay stub and a completed credit application.  Your signature on our Loanliner application(s) and additional disclosures may be required before funding the loan.  For information on CPCU Mortgages and/or Home Equity Loans please call any branch location.  For information on Payment Protection click here.

Loans are subject to credit approval, certain restrictions apply. Promotional Loans (Switch & Ditch, Holiday Loans etc.) may not be combined with any other offer. Finance your next new or used car here or refi from another financial institution today!


Four Easy ways to Apply for a Personal, Auto, or Visa Credit Card Loan:

  1. Click to apply through our Secure Online Lending Site - click here.*
  2. Print out a Loanliner Application for personal or auto loans & send via Mail or Fax - click here.
  3. Fill Out then Print out a CPCU Visa application and return via Mail or Fax. 
    •  For the current Visa Disclosure to print for your records - click here.
  4. Call Us!  1-800-865-0445 regular business hours

Mail to:                                      Or Fax to: 704.392.4489                                
Lending Center 
Carolina Postal Credit Union
3601 Mulberry Church Road
Charlotte NC 28208

To Join CPCU click here

Curious about Loan Payments?  Try our Easy Loan Calculator - click here.

*Please Note:  To process your Online Lending Site application, additional information will be needed, including your most recent pay stub and a completed (and signed) credit application.  Your signature on our Loanliner application(s) and additional disclosures will also be required before funding the loan.  You will hear back from us within 2 Business Days on the 24-hour Loanlink Center and Online Lending Site applications.

Payment Protection

CPCU has several options for Payment Protection for your loan

  • Credit Disability - Should you become disabled due to injury or sickness, Credit Disability will cover your loan payment until you're no longer disabled, your loan is paid, or you reach the maximum benefit on your policy.*
  • Mechanical Repair Coverage - Eliminates financial burden for unexpected auto mechanical breakdowns
  • Guaranteed Asset Protection (GAP) - A total vehicle loss will not create a financial burden

*Be sure to read the Credit Insurance Application and Certificate of Insurance which will explain the exact terms, conditions and exclusions of the policy. Eligibility requirements including age maximums, working requirements and health questions may apply. Also, benefits may be subject to a waiting period. The policy may include maximum coverage or benefit amounts and/or durations. Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply.


Charlotte (704) 392-3418 - Winston-Salem (336) 723-1024

High Point (336) 882-3926 - Greensboro (336) 292-8340 - Hickory - (828) 328-4529

Toll Free (800) 865-0445

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