Personal Loan in Liverpool, NY
Searching for a personal loan in Liverpool, NY? We provide flexible personal loan solutions to cover unexpected costs, planned expenses, or debt consolidation, all with competitive rates and straightforward repayment options. Our approachable loan team in Liverpool offers personalized support and quick application processing, helping you move forward confidently and achieve your financial goals.
Features & Benefits of Our Personal Loan
Sidney Federal Credit Union personal loans offer benefits like flexible terms, competitive rates, and versatile use. Learn more about some of our personal loan options below:
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.
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.
Low Interest Rates
Keep rates low by securing your loan with your savings account balance. You'll just have to pay 3.00% APR plus your SFCU savings dividend rate.
Flexible Terms
Spread out the payments over a longer period of time, up to 144 months, to keep your monthly payments low to fit nearly any budget.
Fixed Monthly Payments
It's easy to budget for your loan payments because they won't change over time! You'll pay the same amount each month with fixed monthly payments.
No Upfront Cash
Unlike a share secured loan, you do not need to have the cash upfront to qualify.
Kwik Kash Lines of Credit
Unsecured Loans
Share Secured Loans
| Type of Loan | Term (Months) | APR (as low as) |
|---|---|---|
|
Platinum Mastercard |
– |
13.00% |
|
Kwik Kash Lines of Credit |
Revolving Line of Credit |
8.99% |
|
Unsecured Loans |
Up to 60 |
11.64% |
|
Credit Builder |
Up to 24 Months |
+3.00% |
|
Share Secured Loans |
Up to 144 Months |
+3.00% |
|
Home Improvement Loans |
Up to 60 |
8.39% |
Eligibility Requirements
To apply for a personal loan, you must be an eligible credit union member, meet lending guidelines, and submit required personal and financial details. These help determine approval and applicable personal loan interest rates.
Eligible Credit Union Member
Applicants must be current SFCU members in good standing and meet membership eligibility requirements to qualify for a personal loan.
Creditworthiness
We evaluate credit history, income, and existing debt to measure financial responsibility and determine loan qualification.
Personal and Financial Information
You’ll be asked to provide valid identification, income verification, and other financial documents during the application process to complete your request.
-
1
Complete an application
Visit us in the branch or fill out the online application.
-
2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Use the funds
Use your loan to cover qualifying expenses.
Why Choose Sidney FCU for Your Personal Loan?
As a trusted credit union serving Liverpool, NY, Sidney Federal Credit Union puts members at the center of everything we do. We provide competitive rates, personalized service, and different personal loan options designed to fit your needs. From borrowing to saving, our local team supports your financial goals with a member-owned approach focused on your long-term success.
Visit Our Liverpool Branch
Address: 7545 Morgan Rd Liverpool, NY 13090
Hours
Lobby Hours
Mon – Fri: 9 am – 4:30 pm
Drive- Thru
Mon – Fri: 8:30 am – 5 pm
Open a Free Checking Account - Cosnsumer
Order Checks
Order checks online
Our partners at Harland Clarke will make the process of getting new checks easy and quick. We ask that you do not place your order online and contact us directly if:
• You are a Senior Club Member
• This is your first time ordering
• It has been 3+ years since last order
• Your name and/or address has changed
For all other orders, your account number is displayed on the bottom of your check OR on the bottom of your reorder form 1531xxxxxxxxxx (must be 14 digits long). The routing number for SFCU is 221379905.
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Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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