Personal Loans

When you need funds, we make it easy.

Borrow with confidence — without the stress.

Big plans or unexpected expenses — our Personal Loans are designed with low rates and flexible terms to fit your budget, including no payments up to 45 days. Apply in minutes and get the clarity you need to move forward.

Find the right personal loan for your needs.

Whether you’re looking for a debt consolidation loan, funds for home repairs, medical expenses, or a major purchase, Santa Rosa County Federal Credit Union offers local lending solutions you can trust.

Personal Loan

Borrow a one-time lump sum with a fixed rate and predictable monthly payment.

BEST FOR:

  • Debt consolidation

  • Medical bills

  • Emergency expenses

  • Home improvements

  • Large purchases

Apply for a Personal Loan

Open Line of Credit

Need flexible access to funds? An open line of credit allows you to borrow what you need, when you need it, up to your approved limit. You only pay interest on what you use.

BEST FOR:

  • Ongoing expenses

  • Debt consolidation

Apply for a Line of Credit
 

Current Rates

Personal Loans Rates
Loan Type Approximate Term Annual Percentage Rate* (As Low As)
Personal Loan Up to 60 Months 10.40%
Personal Line of Credit Up to 60 Months 9.90%
Credit Rebuilder Up to 12 Months 18.00%
Starter Signature Up to 12 Months 18.00%
Vacation Up to 12 Months 9.90%
Christmas Up to 12 Months 9.90%
 
“They were so helpful and made getting a loan so easy and pleasurable!”
— Mick M.
“Loan processing went off without a hitch.”
— Joe M.
 

Calculate Your Loan Payment

Enter the loan amount, APR, and term to estimate your monthly payment.

Monthly Payment: —
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

More Loan Types

Vacation Loans

Funds travel-related expenses, such as airfare, accommodations, activities, and other costs associated with your vacation. Rates as low as 9.90% APR*.

Available June - August.

Learn More

Christmas Loans

Free up cash for holiday expenses when you borrow up to $2,000. Rates as low as 9.90% APR*.

Available October- December.

Learn More

How it works

Getting Started Is Simple:

  1. Apply Online – Complete your application in minutes.

  2. Quick Decision – We review your application promptly.

  3. Receive Your Funds – Approved funds are deposited directly into your account.

 

Frequently Asked Questions

  • Approval is based on several factors, including credit history, income, and debt levels. Contact us to discuss your specific situation.

  • Funding times vary, but many loans are processed quickly once approved. Applications are generally processed same day.

  • Yes! There is no penalty for paying off your loan early.

  • Yes. Many members use personal loans to consolidate higher-interest credit card balances into one manageable monthly payment.

 

Ready to Get Started?

As a local credit union serving Santa Rosa County and surrounding communities, we focus on helping our members borrow responsibly and confidently. Our team is here to help you find the right loan for your needs.

Apply Online Now