Personal loans

Loans that fit your lifestyle

What provides you fast cash, often with no collateral required? An STCU personal loan!

  • No loan fees.
  • Competitive rates.
  • Quick online loan approval.
  • Creditworthiness determines price of your loan, so good credit is rewarded.
  • Discount rates on signature and personal-secured loans when using automatic payment from an STCU account.

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Loan options

Signature loans

No collateral is necessary for an STCU signature loan, making it the fastest loan possible for whatever you need.

Personal secured loans

Finance an older vehicle or other needs that may require more cash than the value of your collateral. Better rates and terms often available.

For an immediate response, apply online for an STCU signature or personal secured loans.

STCU loan officers are available until 6 p.m. weekdays at (509) 326-1954. Select the "loan option" to direct your call to our Lending Center.)

You can also call the 24-hour lending center at (509) 326-1954 or (800) 858-3750 to begin your loan application.

Working with an on-the-spot loan merchant? Ask them for an STCU loan on-the-spot!

Saving- or certificate-secured loans

Build credit history while borrowing up to 100% of your savings or certificate balances. Continue to earn dividends while paying an astoundingly low interest rate on your STCU saving- or certificate-secured loan. To apply, call or chat during business hours, or visit any STCU branch location. Online applications not available for this loan.

STCU personal line of credit

Get an STCU personal line of credit that you can tap into when you need it most -- online or by telephone or check. Great for emergencies, travel, and special events.

  • No annual fee.
  • Draw up to three times your monthly income.
  • Interest-only payments.

Your personal line of credit is based on your individual creditworthiness, net worth, and monthly income. To apply, call or chat during business hours, or visit any STCU branch location. Online applications not available for this loan.