Personal Loans
A little extra help when you need it
From unexpected expenses and home improvements to education costs and debt consolidation, an SBCFCU Personal Loan gives you flexible financing with a predictable, non-variable rate.
Borrow up to $20,000 with no collateral required.
Personal Loans
A little extra help when you need it
From unexpected expenses and home improvements to education costs and debt consolidation, an SBCFCU Personal Loan gives you flexible financing with a predictable, non-variable rate.
Borrow up to $20,000 with no collateral required.
Flexible borrowing
Borrow an amount that fits your needs and budget, up to $20,000, subject to approval.
Predictable payments
Your non-variable rate won’t change during the life of your loan.
No collateral required
Personal loans are unsecured, so your home, vehicle or other assets aren’t used as collateral.
Use it for what matters most
Personal loans give you the flexibility to cover a wide range of planned and unexpected expenses.
Home improvements
Repairs, renovations and improvements
Education expenses
College, tuition and related costs
Travel & vacations
Finance a planned trip
Debt consolidation
Combine eligible balances
Major purchases
Finance larger expenses
Unexpected expenses
Get flexibility when something comes up
Simplify your debt
If you’re carrying balances with multiple lenders, a personal loan may help you combine eligible debts into one loan and one monthly payment.
One payment to manage
Instead of keeping track of multiple accounts and due dates, you can use an SBCFCU Personal Loan to consolidate eligible debt from multiple lenders.
Whether consolidation saves you money depends on the rates, balances and terms of your existing debts compared with your new loan.
What you’ll need to apply
Having your information ready can help make the application process quicker and easier.
- Amount you’d like to borrow
- Preferred loan term
- Employment and income information
- Phone number and email address
- Co-applicant information, if applicable
- Information about existing credit accounts or lenders
- Recent pay stubs, if required
Applicants with a credit score below 700 are required to provide recent pay stubs.
Why Choose SBCFCU
Local decisions
Your application is reviewed by people who understand our members and the local community.
Member-first pricing
As a member-owned credit union, SBCFCU offers lending options designed around our members.
Support at every step
From application through payoff, our team is here to answer questions and help you understand your loan.
Personal loan rates & terms
SBCFCU Personal Loans have non-variable rates, giving you predictable monthly payments throughout the life of your loan.
Your specific rate and available terms are determined through the individual loan approval process.
| Loan Type | Rates as low as | Terms & Information |
|---|---|---|
| SIGNATURE LOAN » | 9% | UP TO $20,000-GREAT FOR DEBT CONSOLIDATION |
Have questions about what you may qualify for? Contact our team at 805-682-3357.
Common questions (FAQs)
Find answers to some of the most common questions about SBCFCU Personal Loans.
Ready to get started on a personal loan?
Whether you’re covering an unexpected expense, consolidating debt, making a major purchase, or planning something important, SBCFCU is here to help you find a personal loan that fits your needs.