Loans
Financing for wherever life takes you
Whether you’re buying a vehicle, purchasing a home, managing an unexpected expense, or putting your home’s equity to work, SBCFCU offers financing options backed by local service and support.
Find the financing that fits
Auto Loans
Finance a new or used vehicle, get pre-approved before you shop, or explore refinancing options.
Personal Loans
Get flexible financing for unexpected expenses, major purchases, debt consolidation, and more.
Mortgage Loans
Explore home financing options for buying or refinancing a home in Santa Barbara County.
Home Equity Line of Credit
Use the equity you’ve built in your home to access funds when you need them.
Why borrow with SBCFCU?
Local decisions
Work with people who understand SBCFCU members and the local community.
Member-first approach
As a member-owned credit union, SBCFCU offers lending options designed around its members.
Support at every step
Get help understanding your financing options from application through payoff.
Not sure which loan is right for you?
Every financing need is different. Explore SBCFCU’s loan options, compare current rates, or contact our team for help finding an option that fits your needs.