Personal Loan


We'll front you some cash

Sometimes emergencies pop up. Don’t worry; with a SEFCU Personal Loan, you can get the money you need at a competitive fixed rate.   


Hand holding a money symbol

up to $25,000

for qualified members

Features & Benefits

Cash when you need it

  • Borrow $500 to $25,000
  • Flexible repayment terms (12 to 60 months)
  • Fixed rates
  • Manage your loan online


Fees & Rates

Personal Loans

Approximate Repayment Term APR* as low as
12 months 7.74%
18 months 7.99%
24 months 8.24%
36 months 8.49%
48 months 8.74%
60 months 8.99%


See which is best for you

Personal Loan

  • Borrow $500-$25,000
  • Receive the entire amount in one lump sum
  • Interest payments begin right away
  • Fixed repayment schedule


Personal Line of Credit

  • Borrow $500-$5,000
  • Draw on credit as needed
  • No interest until you draw on the credit
  • No payments until you draw on the credit

Learn More

Apply Now

Apply for a SEFCU Personal Loan today

Current SEFCU member?

Apply Today

Not a member?








View documentation required for your loan application

Visit a branch near you

Call 800-727-3328

Financial Education


Personal Loan

Get money for what you need now

Borrow up to $25,000

Repay in 12-60 months


Learn More

More to think about...

Online Loan Payments

Online loan payments

Pay your SEFCU loan from an account at another financial institution from your phone, tablet, or computer

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
* Annual Percentage Rate. Rate listed assumes creditworthiness. Other rates and terms may apply. Monthly loan payment example: a $5,000 loan at 8.99% for 60 months, with no additional payment protection, would be $104.17, or $48.15 biweekly. Rates accurate as of today March 31, 2023 and subject to change without notice. Published rate is for new SEFCU loans.