SFCU can Clear Your Path to Financial Security
Get breathing room for whatever life might throw your way. Consolidate debt, manage expenses, and strengthen your financial knowledge.
Roll multiple bills into one payment with a debt consolidation loan.
Payments feel scattered? Simplify.
Rolling balances into one loan can make your monthly budget easier to manage and easier to understand.
-One predictable payment
-Potentially lower interest
-A clear path forward
Reach out to explore debt consolidation options.
Flexible Terms
Choose a monthly payment that works for budget with flexible terms up to 84 months available.
No Collateral
You won't have to worry about depleting your savings or not having collateral. Get an unsecured loan based on your creditworthiness.
Low Rates
Get better rates compared to many financial institutions to save more money over the course of your loan.
Use For Any Expense
From debt consolidation and vacations to home repairs and emergency expenses, you can use the funds to pay for just about anything.
Loan Amounts up to $50,000
Get all the funding you need to cover any expense, with Unsecured Loan amounts up to $50,000 — higher than many lenders.
Direct Deposit Cash Rewards
Opt-in to receive a monthly cash back reward for each qualifying loan you have with SFCU.
Rates
View RatesLower your payments and give yourself breathing room.
Estimate your monthly payment.
Monthly Payment
Need structure and support? A debt management plan could be just what you need.
Do finances, budgeting, and keeping on top of debt feel overwhelming? You don’t have to navigate it alone. If a loan doesn't fit your situation, but you still want help, a debt management plan could be just the right fit to take the stress out of your finances.
Through our trusted partner, GreenPath, you can work with certified counselors to create a personalized repayment plan that fits your life and budget.
Smart money starts with strong knowledge.
Choosing to learn about your money is one of the smartest financial decisions you can make. Whether you’re budgeting for everyday life or planning your next big step, understanding your options builds real confidence.
Explore articles, calculators, workshops, budgeting tools, and practical guidance designed to help you make informed choices at your own pace and feel good about your finances.
Because strong financial health starts with informed decisions.
Cover whatever life throws your way.
Unexpected repairs? Growing your family? Or maybe you just want to get away? There are lots of reasons to need some flexibility in your finances. One way to get that is with an SFCU personal loan. With low rates and flexible terms you can get the cash you need for whatever you need it for without depleting your savings and without collateral.
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1
Apply for the loan
It takes only minutes to fill out the online application.
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2
Sign the documents
We'll send you the loan documents for you to sign.
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3
Use the funds
Use the funds to pay for any expense you need.
Have a question? Get in touch with us
Unsecured Loan Rates
| Type of Loan | Term (Months) | APR (as low as) |
|---|---|---|
| Personal/Unsecured Loan | Up to 60 | 11.64% |
| Personal/Unsecured Loan | 72 | 12.64% |
| Personal/Unsecured Loan | 84 | 13.64% |
| Kwik Kash Line of Credit | Revolving Line of Credit | 8.99% |
Rates effective as of: February 28, 2026
APR = Annual Percentage Rate
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU (Kwik Kash excluded)
Credit Union membership is required with a $5 minimum deposit.
The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.
Minimum payment for Kwik Kash Line of Credit is 2.00% of statement balance or $25.00 (whichever is greater)
Rates are subject to change without notice.
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