Convenience Services

Personal Loan

When you incur expenses beyond your current means, turn to SFPCU for a Personal Loan designed to meet your needs at a competitive cost. With this loan, you can borrow up to $25,000 for any purpose.

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Features & Benefits

  • Low, competitive fixed rates
  • Lump-sum distribution
  • No collateral security required
  • Terms available up to 60 months
  • Balances beyond $15,000 may be extended to 72 months
  • Cover costs for any reason, including vacations, tuition, debt consolidation, vehicle repairs, etc.
  • Payment Protection available
Personal Loan
Rates Effective: December 1, 2018
LoanLoan MaximumTermAPR As Low As*
Personal Loan++$25,0001-36 months10.49%
 $25,00037-60 months11.49%
 $25,00061-72 months12.99% $15k & over

*APR = Annual Percentage Rate. Example rate of 10.49% with 36 monthly payments = $32.50 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 10.74%). Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

++Maximum aggregate signature loan balances cannot exceed $25,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Apply for an SFPCU Personal Choice Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.