Personal Loan
Get the cash you need to pay for nearly any expense with a Personal Loan from SCCU.
Fixed rates
It's easy to predict your monthly payments with fixed personal loan interest rates that won't change over the life of the loan.
Terms up to 60 months*
Find a monthly payment that works for your budget with loan terms up to 60 months.
Unsecured loan
Personal Loans are unsecured, which means you don't need to put up collateral to back the loan.
Loan amounts up to $50,000
Get the cash you need to pay for just about any expense with loan amounts up to $50,000.
Holiday Loan
*Borrow up to $1,500 with a fixed 15.00% APR for 12 months. With instant approval and same day funding helps you enjoy the holidays the way they're meant to be, joyful and bright.
A Personal Loan can cover just about any expense
From debt consolidation and medical expenses to unexpected events or purchasing an older vehicle, you can use a personal loan from SCCU to cover almost any expense that might pop up.
.25% Rate Discount
When setting up Auto Pay on your Loan
Run the numbers
Monthly Payment
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.
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1
Complete an application
It takes only minutes to complete the online application.
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2
Get approved
We'll run the numbers and let you know if you're approved.
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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.
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Disclosures:
APR = Annual Percentage Rate. Rates effective as of 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. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval.
Payment example: For a $10,000 loan for a term of 36 months with a 10.70% APR, the monthly payment will be $327.
*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.
Personal Loan Rates
| Description | APR¹ |
|---|---|
|
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.
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