Personal Loans

Get cash when you need it most with our Personal Loan. A personal loan has a fixed monthly payment with no collateral. The opportunities are endless: vacation, holiday cash, wedding, debt consolidation. It’s all up to you!

  • Maximum loan amount of $30,000
  • Flexible terms up to 6 years
  • No collateral needed
  • No title or deed required
  • No early payoff penalty
  • No processing fees

When you’re applying for this loan, we’ll need to know:

  • How much you need to borrow
  • How long you’d like to finance it for, also known as the term
  • Your source(s) of income
  • If consolidating, we’ll need to know who you’ll be paying off

We know unexpected expenses happen! You can get an advance on your next payroll for up to $1,000. And the best part, you have the flexibility to repay the loan for a maximum term of up to 6 months!

A processing fee of $20 will apply.  Applicant must have direct deposit from a qualified source to an SFCU checking account.  Maximum loan amount $1,000. Maximum term of 6 months.

Need some quick holiday cash, but prefer a set repayment timeline? Our Holiday Loan may be the perfect solution. The monthly payments are affordable and your loan is paid off in just 12-months!

  • Borrow up to $1,500
  • 7.99% APR for all qualified borrowers
  • 12 months to repay, that’s a monthly payment of roughly $131!
  • No credit tiers apply (must demonstrate the ability to repay)

Additional loan terms are available for loan amounts greater than $1,500, or for other well-qualified borrowers.

Unsecured LoansTerm APR*
Signature/Debt Consolidation 12 mos 6.78%
24 mos 7.50%
36 mos8.25%
48 mos 9.50%
60 mos 10.50%
72 mos 11.50%
Holiday Loan12 mos7.99% ($1,500 max)
Personal Line of Credit Revolving 9.90%
Tuition Loan 12 mos 6.75%
Student Book Loan 12 mos 7.00%
Computer Loan 12 mos 1.50% (includes 1% discount for eStatements)
Everyday Loan 6 mos 28% ($20 processing fee)