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Personal Loans

From big purchases to surprise expenses, we’ve got you covered.

Apply for a loan

The Right Loan Helps You Prosper.

Turn to us for a great selection of loans backed by SCCCU’s commitment to delivering local lending that’s fair, affordable, and accessible to as many people as possible.

Why Borrow With SCCCU?

  • It’s easy to apply online, in person or by phone, and you can use your ITIN.
  • Count on great personal service and local decision-making by lenders who genuinely care.
  • If you’ve had issues with credit in the past, or need help building credit, we have low-cost options available.
Couple sitting at a table

Buy Your Ride.

Buy your next car, truck, or SUV with a low rate and monthly payment that fits your budget.

Features

  • Competitive low rates from 2.74% for new and used vehicles

  • Low credit financing offered — up to 120% financing is available

  • Terms up to 84 months

  • 0.25% rate discount when you repay your loan automatically

  • Manage your loan online 24/7 and make payments

  • Financing also available for boats/RVs

  • Quick and easy approvals online — get pre-approved before you shop

  • Find a car online or at a local partner dealer. Get Started.

Terms & Requirements

  • You can apply for a loan using an ITIN

  • Used Auto Loan Rates: add .50% to the stated new auto loan rate for vehicles 5+ years old; add 1% for vehicles 10+ years old or 100,000 miles or more

  • For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)

  • For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)

  • Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB), including applicable sales taxes, insurance, and other associated loan products

We’ll get you out on the open road sooner.

Features

  • Competitive rates for new and used motorcycles

  • Low credit options offered

  • Up to 120% financing

  • Terms up to 84 months

  • 0.25% rate discount when you repay your loan automatically

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • You can apply using an ITIN

  • Motorcycle Loans add 1% to the stated new auto loan rates

  • For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)

  • For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)

Looking for a better commute? Ready to get outside on the weekends? Bring a boost to your quality of life with this eco-friendly option.

Features

  • Low rates and terms up to 48 months

  • Financing available up to $7,500 available for eBikes and conventional bicycles (including most bicycle accessories)

  • Quick and easy funding

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • Minimum loan amount is $500

  • May include bicycle accessories in financing

Buy your next car, truck, or SUV with a low rate and monthly payment that fits your budget.

Features

  • Competitive low rates from 2.74% for new and used vehicles

  • Low credit financing offered — up to 120% financing is available

  • Terms up to 84 months

  • 0.25% rate discount when you repay your loan automatically

  • Manage your loan online 24/7 and make payments

  • Financing also available for boats/RVs

  • Quick and easy approvals online — get pre-approved before you shop

  • Find a car online or at a local partner dealer. Get Started.

Terms & Requirements

  • You can apply for a loan using an ITIN

  • Used Auto Loan Rates: add .50% to the stated new auto loan rate for vehicles 5+ years old; add 1% for vehicles 10+ years old or 100,000 miles or more

  • For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)

  • For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)

  • Up to 120% financing of Manufacturer’s Suggested Retail Price (MSRP) or Retail Kelley Blue Book (RKBB), including applicable sales taxes, insurance, and other associated loan products

We’ll get you out on the open road sooner.

Features

  • Competitive rates for new and used motorcycles

  • Low credit options offered

  • Up to 120% financing

  • Terms up to 84 months

  • 0.25% rate discount when you repay your loan automatically

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • You can apply using an ITIN

  • Motorcycle Loans add 1% to the stated new auto loan rates

  • For 75-month term loans, required minimum loan amount of $15,000 (not available to all credit types)

  • For 84-month term loans, required minimum loan amount of $25,000 (not available to all credit types)

Looking for a better commute? Ready to get outside on the weekends? Bring a boost to your quality of life with this eco-friendly option.

Features

  • Low rates and terms up to 48 months

  • Financing available up to $7,500 available for eBikes and conventional bicycles (including most bicycle accessories)

  • Quick and easy funding

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • Minimum loan amount is $500

  • May include bicycle accessories in financing

Make the Switch to Solar.

  • Competitive, low rates
  • Easy application process
  • Manage your loan 24/7
Learn more
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Get the Cash You Need.

Avoid going to a payday lender for short-term cash. Get the LIFT you need with this simple, low-cost payday loan alternative.

Features

  • 0% financing available with low fees (for smaller amounts)

  • Borrow up to $2,500 at a low rate and no fee

  • Terms up to 12 months

  • Available to borrowers with no or low credit

  • Fee refund available when you repay your loan with direct deposit or complete our online budgeting course

Terms & Requirements

  • Must be in good standing with the Credit Union to apply

  • Only one LIFT Loan per member at any time

  • No prepayment penalty

  • Apply using your SSN or ITIN

Cover car repairs, pay off credit cards or kick off big plans like a wedding or family vacation. This unsecured loan makes it simple and affordable.

Features

  • Borrow up to $25,000

  • Low fixed rates with terms up to 48 months

  • 0.25% rate discount when you repay your loan automatically

  • Local decision-making with personal service every step of the way

  • No prepayment penalties

  • Debt consolidation loans available

  • Automatic transfer or payroll deduction payments available

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • Credit limit available up to $25,000

  • No collateral required

  • Apply using your SSN or ITIN

If you’re just starting your credit journey or would like to re-establish credit, a Savings Secured Loan is a great option.

Features

  • Keep earning dividends on your deposits

  • A great way to build or repair credit

  • No prepayment penalties

  • Funds can be used for almost any purpose

Terms & Requirements

  • APR is your current savings/share certificate rate + 3%

  • Share certificate-secured loan must be repaid before the share certificate matures

  • Savings Secured Loans have a maximum term of 60 months

Avoid going to a payday lender for short-term cash. Get the LIFT you need with this simple, low-cost payday loan alternative.

Features

  • 0% financing available with low fees (for smaller amounts)

  • Borrow up to $2,500 at a low rate and no fee

  • Terms up to 12 months

  • Available to borrowers with no or low credit

  • Fee refund available when you repay your loan with direct deposit or complete our online budgeting course

Terms & Requirements

  • Must be in good standing with the Credit Union to apply

  • Only one LIFT Loan per member at any time

  • No prepayment penalty

  • Apply using your SSN or ITIN

Cover car repairs, pay off credit cards or kick off big plans like a wedding or family vacation. This unsecured loan makes it simple and affordable.

Features

  • Borrow up to $25,000

  • Low fixed rates with terms up to 48 months

  • 0.25% rate discount when you repay your loan automatically

  • Local decision-making with personal service every step of the way

  • No prepayment penalties

  • Debt consolidation loans available

  • Automatic transfer or payroll deduction payments available

  • Manage your loan online 24/7 and make payments

Terms & Requirements

  • Credit limit available up to $25,000

  • No collateral required

  • Apply using your SSN or ITIN

If you’re just starting your credit journey or would like to re-establish credit, a Savings Secured Loan is a great option.

Features

  • Keep earning dividends on your deposits

  • A great way to build or repair credit

  • No prepayment penalties

  • Funds can be used for almost any purpose

Terms & Requirements

  • APR is your current savings/share certificate rate + 3%

  • Share certificate-secured loan must be repaid before the share certificate matures

  • Savings Secured Loans have a maximum term of 60 months

DACA Loans

We’re here to support the most critical steps in your life. That’s why we’re proud to offer the Deferred Action for Childhood Arrivals (DACA) Loan, which provides a low-rate loan to pay for your DACA application fee.

  • Low fixed rate
  • Up to 12 months to repay your loan
  • Helps build credit
Apply Today
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Apply for a Loan Today.

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Online banking

Manage your money your way with 24/7 account access and easy-to-use online tools.

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Checking accounts

Get anytime, secure access to your money wherever life takes you.

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Financial knowledge center

Financial questions? We’re here for you, with resources in both English and Spanish.

Learn more Financial knowledge center