Personal Loans

Loan Features

  • Rates as low as 4.99% APR*
  • Loan amounts starting at $500
  • Terms from 61 days up to 84 months
  • No loan origination fees
  • Affordable payments
  • Skip-A-Payment Program option available

A personal loan is a type of unsecured loan that requires no security or collateral.  The interest rate and term of the loan are fixed, which provides you with a consistent monthly payment. The money borrowed can be used for any purpose, including taking a vacation, a wedding celebration, paying medical bills, emergency situations, and/or simply having additional cash on hand.  Personal loans are easy to apply for and, once approved, your money can be available the same day!  There are no upfront fees and we offer flexible repayment terms at fixed low rates.

Because it is a closed-ended type of loan, you can pay off the loan over a scheduled period of time, which provides you with the ability to better manage your monthly bills and your debt. (This is unlike a Debt Consolidation Loan, which allows you to consolidate all your credit card bills into one, pay it off faster, AND at a lower interest rate!)

Pet Owners! Learn about our Lend-a-Paw Personal Loan for your unexpected pet bills.


Personal Loan Products

Debt Consolidation Loans
TermAs Low As APR¹ %
1-12 Months7.99% to 17.99%
13-24 Months12.30% to 17.99%
25-36 Months12.35% to 17.99%
37-48 Months12.40% to 17.99%
49-60 Months12.45% to 17.99%
61-72 Months14.45% to 17.99%
73-84 Months16.44% to 17.99%
Last Updated: 11/07/2023
Personal Loans
TermAs Low As APR¹ %
1-12 Months4.99% to 17.95%
13-24 Months8.70% to 17.99%
25-36 Months8.75% to 17.99%
37-48 Months8.80% to 17.99%
49-60 Months8.85% to 17.99%
61-72 Months8.95% to 17.99%
73-84 Months9.34% to 17.99%
Last Updated: 11/07/2023

1Annual Percentage Rates. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 8.50% APR as of 09/01/2023.

*This offer is not valid on internal refinancing.

More Financial Tools for You

Credit Cards

We offer a range of credit cards to suit your lifestyle, including everyone from executives to students. Earn rewards, save on interest, or establish credit.

Personal Line of Credit

Get a credit line of up to $50,000 to pay for ongoing projects and expenses. Only pay interest on the funds you use!

Debt Consolidation Loans

Simplify your life by paying off other debt so you have just one monthly payment. Get a great, fixed rate for up to 84 months.

Personal Loan FAQs

How much can I borrow?

Qualified applications can borrow up to $50,000 with terms up to an 84 month repayment period. The amount and term of your personal loan will be decided based on your financial situation, including your verifiable income and credit history, and what makes the most sense for you.

What are the benefits of a personal loan?

– The interest rate and term of the loan are fixed, which provides you with a set monthly payment
– There are no loan fees or pre-payment penalties
– There is no collateral required to secure the loan
– Use can use the funds however you like
– Once approved, your funds will be available to you in the same day
– You can have the loan payment conveniently deducted from your checking account

How does a personal loan differ from a credit card?

Personal loans and credit cards are both lending options provided by the credit union. Personal loans are structured with a specific term – a period of time you are given to pay off the loan. This balance can be paid in full through equal monthly payments that go toward both principle and interest. Alternately, credit cards are considered a revolving line of credit and do not come with terms – there is no specific time the balance needs to be paid in full. Credit cards at San Francisco Federal Credit Union offer an interest-free period and require a minimum payment each month when there is a balance. You are offered a credit limit and can make ongoing purchases, cash advances, and balance transfers. For both credit cards and all our loans, we offer a Credit Protection Plan

What does my credit score and income have to do with my loan?

As a responsible financial partner, San Francisco Federal Credit Union is committed to making sure we have safe and ethical lending practices. This means that when you apply for one of our loan products, we do a thorough financial review to ensure that granting the loan does not put you in an uncomfortable financial situation. Your credit score and income tell a story on your ability to manage your finances and your commitment to paying money owed. It also helps us determine the amount we can lend to you and at what rate.

How do I apply for a personal loan?

You can apply in one of three ways: online, call us at 415-775-5377, or by visiting one of our branches.

What is a loan repayment term?

The term of the loan is the length of time you are provided to pay back the funds borrowed. We offer terms from 61 days up to 84 months.

If I pay the loan before the term, is there a penalty?

No, San Francisco Federal Credit Union does not charge a pre-payment penalty. We encourage our members to increase their monthly payments or make additional payments when they can. This will help reduce the balance quicker and save on interest you pay.

What’s the difference between a personal loan and a debt consolidation loan?

Personal loans are great if you need additional cash flow for specific items. For example, if you need to repair your vehicle, purchase a large household item, pay for a wedding or loan money to a relative, you can take out a personal loan. These loans are unsecured, meaning there’s no need for collateral.

Debt consolidation loans are specifically designed to help you pay off a lump sum of debt, whereas personal loans are for when you need cash for a variety of reasons.

If you’re considering debt consolidation, you want to be sure that it’s the right choice and that you select the best loan for your financial situation. Remember, debt consolidation loans are great for doing what their name implies, consolidating debt. Choose a personal loan only if you have cash flow needs.

Do you offer lending to non-permanent U.S. residents?

Some of our lending products, like closed-end loans, are available to non-permanent U.S. residents, contingent upon review of current work permit/visa. Certain loan terms will be determined by visa/permit expiration.

Contact Us for more information or call 415.775.5377

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