Personal Loans

Cover unexpected expenses with a personal loan

SDCCU personal loans can help you with financial relief in a variety of different circumstances, whether it's an unexpected expense like car repairs, medical bills or if you just need some extra cash. San Diego County Credit Union was voted San Diego's BEST Credit Union 25 years in a row and offers unique personal loan options that are all individually designed to fit your current financial needs, including unsecured signature loans, savings share secured loans, certificate secured loans and a special Class Cash loan for local teachers.

Low Rates

Competitive loan rates

Earn Dividends

With Share or Certificate Secured Loan option

FREE Online Banking

SDCCU Internet Branch online banking with free eStatements

Online Application

Apply online today

Pick your personal loan option.

Listed below you will find three personal loan options available to our customers.

Signature Loan

As your credit union, we care that you are covered for life’s unexpected expenses. Personal loans are often referred to as a "signature" loan due to the borrower's signature serving as their guarantee to pay the loan back. SDCCU's signature loan is a specific personal loan that is unsecured, which is ideal for those unexpected expenses like car repairs, home repairs, medical bills, vacations or whatever else you may need. Upon qualification, you can borrow up to $10,000 using only your signature as collateral.
Apply Online View Rates

Class Cash Loan

Teachers in Southern California can prepare for the school year without emptying their pockets. The Class Cash personal loan allows teachers to finance the cost of their classroom supplies!¹ Get a $500 signature loan at 0% APR² for 10-months.
Call to Apply

¹Must be a teacher employed by a district or school served by the San Diego County Office of Education (SDCOE) and provide a recent paystub. Must have a SDCCU checking account with a minimum direct deposit amount of $2,000 per month. The minimum payment for the loan is $50 per month.
²APR= Annual Percentage Rate. APR valid as of 04/27/21. 0% fixed APR is for 10 monthly payments of $50 on signature loans of $500.

See Our Current Rates

FAQS

Frequently Asked Questions

KT New Test FAQ

New Test FAQ KT
How can I make a loan payment to another financial institution using Internet Branch online banking?
How do I apply for a personal loan?
Can I get a personal loan with poor credit?

A low credit score may not necessarily preclude you from obtaining a SDCCU personal loan. SDCCU offers unsecured signature loans, savings share secured loans and certificate secured loans. You may be able to obtain one of these loans, depending on your credit history and other factors that influence your borrowing ability. To learn more about building a strong credit history, credit management and understanding your credit report, visit sdccu.com/balance.
How much can I borrow with a personal loan?
What credit score do I need to qualify for a personal loan?

Your credit score is one of several factors that determine qualification for a personal loan. Other factors that are considered include debt to income ratio, collateral (if applicable), how well you have managed prior credit and length of credit history. If you have a poor credit history, there may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, visit sdccu.com/balance.
What determines my personal loan rate?

SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.

Open an account online today!