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 Loans | Term | APR* |
|---|---|---|
| Signature/Debt Consolidation | 12 mos | 6.78% |
| 24 mos | 7.50% |
|
| 36 mos | 8.25% |
|
| 48 mos | 9.50% |
|
| 60 mos | 10.50% |
|
| 72 mos | 11.50% |
|
| Holiday Loan | 12 mos | 7.99% ($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) |