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 3.74%
18 months 3.99%
24 months 4.24%
36 months 4.49%
48 months 4.74%
60 months 4.99%


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-$25,000
  • 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?

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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

* Annual Percentage Rate. Rate listed assumes creditworthiness. Other rates and terms may apply. Monthly loan payment example: a $5,000 loan at 4.99% for 60 months, with no additional payment protection, would be $94.54. Rates accurate as of today January 20, 2022 and subject to change without notice. Published rate is for new SEFCU loans.