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Personal Loan Assistance
Business Loan Assistance & Other Resources
Other Important Resources
Personal Loan Assistance
LOW-RATE EMERGENCY LOANS: If you need help with day-to-day expenses or to fill a gap in your monthly income, SCCCU is here to help. Click on the application below to visit our partner CUDL and apply any time, day or night from your computer, tablet, or phone.
DEFERRED PAYMENTS: Would a deferred SCCCU Loan payment help? This option may also be available on auto, personal, real estate, or VISA lines of credit. Click the link below to download the form. Submit the completed form and any necessary documentation through our online application portal.
Business Loan Assistance & Resources
SBA PAYCHECK PROTECTION PROGRAM (PPP): We're only accepting PPP loan applications from existing SCCCU members. Please take a moment to review the loan application and prepare the appropriate documentation before you begin. Please do not email applications or documentation. Click the option below to download your application form. Submit the completed form and any necessary documentation through our online application portal.
For those who DID NOT receive PPP funds in 2020, you may begin the application process immediately. Download Application.
For those who DID receive PPP funds in 2020, you may begin the application process on Wednesday, January 13, 2021. Download Application.
PPP ONLINE APPLICATION PORTAL
IMPORTANT TIPS FOR THE 2021 PPP LOAN APPLICATION:
If you received a PPP loan in 2020, and are using the same data provided previously, please use the same average monthly payroll and loan amount numbers.
For a 2021 PPP loan, proof of a 25% reduction in gross receipts is required. You can show this by comparing your 2019 and 2020 annual statements, or by comparing specific quarters.
If you choose to use annual statements, upload your 2019 tax return with a 2020 year-end profit/loss statement.
If you choose to compare quarters, upload your company's respective quarterly financials. For example, upload a Q2 2019 profit/loss statement and a Q2 2020 profit/loss statement.
If you have not received funds through the PPP or EIDL program in 2020, you may be able to apply through the Santa Cruz CARES Recovery Program.
DEFERRED BUSINESS PAYMENTS It's also possible to defer your SCCCU business loan payment during the current emergency. Click below to download the form.