Personal Loans
Personal Loans for Your Needs
Get low-cost funds for unexpected expenses or new opportunities.
Apply Now Check RatesPersonal Loans
Personal Loans for Your Needs
Get low-cost funds for unexpected expenses or new opportunities.
Apply Now Check Rates
Explore Our Personal Loan Options
Unsecured Signature Loans (Holiday Loan)
Get the funds you need in one lump sum and enjoy predictable monthly payments.
- Competitive rates
- Flexible terms from 12 to 60 months
- No collateral required
- No payment for 90 days
- Minimum loan balance of $2,501
- Amount based on minimum creditworthiness and income requirements
- Check Rates
Share-Secured or Certificate-Secured Signature Loans
Use your savings as collateral to secure the loan while you keep earning dividends.
- Special low rate
- Flexible terms from 12 to 60 months
- Funds are disbursed in one lump sum
- Repayment required in regular monthly installments
- Credit Builder Loans also available
- Check Rates
Personal Lines of Credit
Easily access a revolving line of credit that’s available whenever you need it.
- No annual fee
- Competitive rates
- Easy preapproval process
- Withdraw funds as needed
- Only repay what you borrow
- May be used as overdraft protection for South Bay Credit Union checking account holders
- Check Rates
I want to:
We recommend a Personal Line of Credit.
We recommend a Secured Signature Loan.
We recommend an Unsecured Signature Loan.
Affordable Financing for All You Need
Whether you need to pay for unplanned expenses or upcoming adventures, a low-interest personal loan or line of credit can help you make large purchases affordably – without relying on high-interest credit cards. Eligible borrowers can get low-cost funds to:
Make home improvements
Make home improvements
Consolidate high-rate debt
Consolidate high-rate debt
Take care of medical bills or car repairs
Take care of medical bills or car repairs
Pay for vacations, weddings, and other special occasions
Pay for vacations, weddings, and other special occasions
Benefits of Debt Consolidation
Using a personal loan to consolidate higher-interest debt (like credit card bills and payday loans) can be a smart move. Instead of juggling multiple bills and due dates every month, you can combine multiple debts into a single low-rate loan. A personal loan can help you:
Save money: Enjoy a lower monthly payment thanks to South Bay Credit Union’s competitive interest rates
Save money: Enjoy a lower monthly payment thanks to South Bay Credit Union’s competitive interest rates
Get out of debt faster: Use the money you’re saving on interest to pay down your balance
Get out of debt faster: Use the money you’re saving on interest to pay down your balance
Simplify your finances: You’ll only have one payment to make each month, so it’s easier to track your debt repayment progress
Simplify your finances: You’ll only have one payment to make each month, so it’s easier to track your debt repayment progress
Skip-a-Pay
Does your budget need some breathing room? Free up extra cash with Skip-a-Pay! This convenient program lets you skip your current loan payment on your eligible South Bay Credit Union personal loan or line of credit once every 12 months.
You can check your loan’s eligibility for Skip-a-Pay and request a payment deferral in Online Banking. There’s no fee if you’re approved!
Take the Next Step
Get started with our quick, secure online application, or apply in person at your local branch.
South Bay Credit Union Works for YOU
Checking Accounts
Take Charge of Your Money
Manage everyday spending and earn interest on deposits.
Auto Loans
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Buy or refi with great rates for new and used vehicles.
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Easily check your current credit score for free.
