No collateral? No problem
When you need funding to consolidate debt or cover any expenses life might throw your way, get an Unsecured Loan from SFCU with just your signature.
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 $49,000
Get all the funding you need to cover any expense, with Unsecured Loan amounts up to $49,000 — 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 RatesEstimate your monthly payment
Let's see what your monthly payment could be.
Monthly Payment
Getting a loan and let your investments continue to work
Leave your savings and investments in place. Opt for an unsecured loan to consolidate or cover unexpected expenses allowing for more financial freedom.
Free to use the funds as you need
You never know what may be next in life. Use your SFCU Unsecured Loan to pay for just about any expense, event or to consolidate your debt.
Home and Vehicle Repairs
Home and vehicle repairs aren't cheap. Don't deplete your bank account. An SFCU Unsecured Loan can get you the money you need to cover necessary repairs and get your life back to normal.
Emergency Expenses
You never know when an emergency might hit, and your budget might not be ready. Get the funds you need now and pay for them later.
Vacations and Events
It's always nice to have a little fun. If you need some quick cash to pay for a vacation or event, an Unsecured Loan is a great option.
Debt Consolidation
If you have existing debt, use an Unsecured Loan to consolidate all your payments into one easy-to-pay loan to make your payments more manageable.
Or Just About Anything Alse
Enjoy the financial freedom to use your Unsecured Loan funds to pay for just about anything you need or want, expected or unexpected.
-
1
Apply for the loan
It takes only minutes to fill out the online application.
-
2
Sign the documents
We'll send you the loan documents for you to sign.
-
3
Use the funds
Use the funds to pay for any expense you need.
Have a question? Get in touch with us
No-collateral loans for more financial freedom
Don't worry about losing your assets. With an Unsecured Loan from SFCU, you can get competitive rates and flexible terms to pay for just about any expense life might throw your way without collateral!
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: June 30, 2025
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.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
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.
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.