Loan Products

South Bay Credit Union offers a wide range of loan products and services to meet the needs of our members. Whether you are purchasing a new car or your first home, South Bay Credit Union has the right loan for you. Please take a few minutes to explore the links below to the products and services that interest you.


How Do I Make a Loan Payment?

The easiest way to make a loan payment is to set it and forget it.  We offer a number of automatic payment options.   However, we are realists and understand you may not have all your accounts with one financial institution.   More

Apply Online

Our online application only takes a few minutes to complete.  It is helpful to have the following information available before you start:  your Social Security Number, employer name and phone number, and you annual income amount.

What’s My Credit Score?

Get your credit score for free! 
We want to be your lifetime financial partner and understand that a credit score is one of the most important components of your financial profile.  As a valuable benefit of membership, South Bay Credit Union provides members their credit scores free of charge.  More


Paper Loan Applications


We have a number of calculators to help you make important decisions such as:

  • Should I refinance?
  • How much car can I afford?
  • How long will it take to pay off my loan?
  • What will my investment be in the future?
  • How much do I need to support my retirement?
  • Should I lease or buy?

To access the calculators that will provide answers to these questions and many more, please click here.

Skip a Pay

Sometimes you just need a break from your loan payments. So for a small fee of $35, we offer members a flexible option to “Skip” a payment on their eligible auto or signature loan once every 6 months. From covering unexpected expenses to freeing up extra cash for an important project, Skip a Pay is another way we can help you take more control over your money.


Sign online with eSign

We’ve made getting a loan with South Bay Credit Union even easier and more convenient. We now offer members the option of signing their auto and unsecured loan applications electronically using eSign.   More