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Loans

All of the loans offered at SLO Credit Union give you:

  • Low rates
  • Flexible terms
  • No credit check fee
  • No early payoff or prepayment penalty
Selective Focus Photography of Person Signing on Paper

Personal Loans

Our personal loans are here to assist you with life’s unexpected moments. Yes, even debt consolidation. With competitive rates, SLOCU has your back.

Secured Loans

Have the cash but don’t want to spend it all? Take advantage of our secured loans to pay that large expense. By securing the loan with your funds and our low rate, repayment is easy!

Vehicle Loans

From first cars to new luxury vehicles, SLOCU’s rates are here to get you behind the wheel.

RV Loans

When it is time to get away, let us help you get your home away from home!

Home Equity Loans

Have an expensive project around the house or a large expense coming up? We offer loans tied to your home’s equity, open and closed end available. Contact us for more information.

Overdraft Line of Credit

While your savings accounts can be used as overdraft protection, having the added benefit and peace of mind for that unexpected purchase or oopsie! Apply as soon as your checking account is open.

Credit Union Direct Lending (CUDL)

Shopping for a car at a local dealership?  When you find the right car, ask the dealer to have your loan funded at SLOCU.

Right Choice Mortgage

No matter if you are a first-time buyer or an experienced homeowner, Right Choice Mortgage strives for the lowest rates and little to no closing costs. They are with you every step of the way.

Loan Rates - Effective Tuesday, April 23, 2024
Loan TypeRates as low asTerms & Information
New Auto: Click to Apply » 6.00% 48 M
Used Auto: Click to Apply » 6.25% 48 M
New RV/Boat: Click to Apply » 9.50% 60 M
Used RV/Boat: Click to Apply » 9.75% 60 M
Signature Loan: Click to Apply » 12.00% 36 M
Signature LOC: Click to Apply » 12.00% 60 M
Overdraft LOC: Click to Apply » 15.00% 60 M Lower Rate Depending on Credit Score
120-Mth Closed-End Equity Loan 8.99% 0 M
180-Mth Closed-End Equity Loan 9.99% 0 M
HELOC - Home Equity LOC 7.68% 360 M

How to Apply?

You can apply online! From this page, locate the loan type you are interested in applying in the chart above. Click on “Click to Apply” next to the loan type and follow the prompts. You don’t need to be a member to apply.   

10 Ways to Make Your Loan Payment With Us:

  1. Account to Account Transfer
  2. Mobile Deposit Check Directly to Your Loan
  3. Bill Pay From Your Other Financial Institution
  4. ACH Direct Deposit
  5. Transfer Between SLOCU Accounts Initiated Online
  6. Transfer Between SLOCU Accounts Through Our Mobile App
  7. At The Branch
  8. At a Participating COOP Shared Branch
  9. Drop Box Deposit
  10. Mail Directly to SLOCU
Do you have a loan with us and looking for an easy way to make your payment using an account at a different financial institution? Use our new LoanPay service by clicking on the button at the top of our website.