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Holiday Loan

The best gift you can give yourself is peace of mind.

Apply

Instant Approval

No waiting, no guessing - just a fast “yes” so you can get on with your plans.

Same-Day Funding

Apply today, spend today. Funds hit your account as soon as the same day!

$1,500 Loan Amount

Enough to turn your holiday wish list into reality.

Terms up to 12 months*

Keep payments easy on your budget with terms as flexible as your holiday plans.

Fixed Rate

Lock in your rate and enjoy predictable payments that won’t change.

Unsecured loan

No collateral needed - just you, your good standing, and your holiday goals.

Use for any purpose this holiday season

All the holiday magic, none of the financial panic.

From sleigh rides and stocking stuffers to travel plans and twinkling lights, the Holiday Loan makes it easy to cover every cheerful moment this season brings.

Rate as low as APR

View all rates

Run the numbers

Monthly Payment

Loan Amount

Rate

Months

A credit union with a focus on you

Why choose us?

When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.

Requirements

Member for 6+ Months

Direct Deposit

No Derogatory Accounts @ SCCU

How to get started

It's easy to get the funds you need. Just follow these simple steps:

1
Complete an application

It takes only minutes to complete the online application.
2
Get approved

We'll run the numbers and let you know if you're approved.
3
Receive the funds and use them as you wish

We'll send you the money and you can use it to purchase whatever you need.

Paying for expenses doesn't have to be difficult

Get the funds you need to pay for expenses with great Personal Loan interest rates from SCCU.

Apply for a personal loan

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Disclosures:

*APR = Annual Percentage Rate. Limit one per member. Rates effective as of 11.01.2025 and are subject to change at any time without notice. Rates, terms and conditions are subject to change and may vary based on membership status, qualifications, and market. All loans subject to approval. Membership eligibility required. Minimum of 6 months membership status and direct deposit required. Payment Example: For a $1500 loan with an APR of 15.00% for 12 months, the monthly repayment is $135.

Persona Loan Rates

Personal and Quick Cash Loan Rates

Personal Loan ($500 minimum)

10.99%

Holiday Loan⁴

15.00%

Quick Cash²

12.24% Variable³

¹Monthly payment is based on your payment per $1,000 for APR rate and term. APR = Annual Percentage Rate. Rates effective 3.04.2024 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. All loans are subject to approval. Membership eligibility is required. Terms and conditions apply. Payment Example: For a $10,000 loan for a term of 36 months with a 10.99% APR, the monthly payment will be $327. ²The minimum payment is $20.00 or 4% of the outstanding balance, whichever is greater. With a Quick Cash, no grace period applies. Interest will begin to accrue the day of the first advancement. ³Based on the 6-month T-bill rate ⁴APR = Annual Percentage Rate. Limit one per member. Rates effective as of 11.01.2025 and are subject to change at any time without notice. Rates, terms and conditions are subject to change and may vary based on membership status, qualifications, and market. All loans subject to approval. Membership eligibility required. Minimum of 6 months membership status and direct deposit required. Payment Example: For a $1500 loan with an APR of 15.00% for 12 months, the monthly repayment is $135.