Personal Loans
Whether you’re paying down high-interest debt, getting ready for the holidays, or handling the unexpected, an SLO Credit Union personal loan gives you a competitive rate and a local team that puts members first.
How To Get Started
Apply Today
Apply seamlessly online, call us today, or come into a SLO CY branch.
Talk With The Lending Team
Our local lending team reviews your application and helps you pick a loan amount and term that fit your budget.
Put Your Funds to Work
Once approved, use your funds for what you need, whether that’s paying off cards or getting ready for the holidays.Signature Loan Rate
Rates as low as
11.99% APR*
Between 36-60 month term
Maximum of $15,000
How Can a Personal Loan Help?
Debt Consolidation Loan
Roll high-interest credit card balances into one loan with one monthly payment. A lower rate can mean less interest and a clear finish line.
Home Improvement or Repairs
Replace the water heater, update the kitchen, or finally build that backyard fence. Smaller projects get done without tapping into your home’s equity.
Life’s Big Moments
Weddings, moving to a new place, or the trip you’ve been dreaming about. Plan the milestone, and let us help with the financing.
Holiday Loan
Cover gifts, travel to see family, and hosting the big dinner without maxing out your cards. Celebrate now and pay it back on a plan that fits your budget.
Medical & Dental Bills
Spread out the cost of procedures, dental work, or out-of-pocket care so you can focus on feeling better rather than the bill.
Unexpected Expenses
Car repairs, a surprise vet bill, or a broken appliance. When life throws a curveball, a personal loan helps you handle it without draining your savings.
Members First
For more than 70 years, SLO Credit Union has been part of the San Luis Obispo community. We’re your neighbors, and we answer to our members. That means competitive rates, honest advice, and a lender who will sit down with you to find the loan that actually fits your situation, even if that turns out to be a different product.
Who Can Join?
Anyone who lives, works, studies, or worships in San Luis Obispo County.