IMPORTANT CHANGE - Due to the weather, the PG&E shutoff near our Santa Cruz branch has been POSTPONED; therefore, the Santa Cruz branch and ATM will now be OPEN tomorrow, 10/27/2021. Additionally, the Santa Cruz branch WILL NOT be open on Saturday, 10/30/2021. If you need to conduct business on Saturday, please visit our Soquel or Watsonville branch. We appreciate your patience. 

LIFT Loans

When you’re in need of short-term cash, we can give you the LIFT you need. Our LIFT Loans provide you with a low-cost alternative to Payday loans. You can apply with no or low credit and we accept ITINs. Plus, you’ll get a $10 fee refunded to your SCCCU checking or savings account upon repayment if you repay your loan with direct deposit or complete our online budget course.

Get out of the Payday loan debt cycle today. See details.

Compare and Save:

Loan Amount
$250
Required
Term
APR* Fee Repayment
Requirement
Minimum
Monthly Payment
Average Payday
Lender (CA)
1 month 0% $45 Weekly $345
SCCCU LIFT Loan 3 months 0% $35* Monthly $95

*$10 fee refund upon loan repayment to your SCCCU checking or savings account when you repay your loan using direct deposit or complete our online budget course.

LIFT Loan Details

What You Need Know about LIFT Loans at SCCCU

Features

  • 0% financing available with low fees
  • Finance up to $2,500 at a rate of 18.99% APR* and no fee
  • Terms up to 12 months
  • Low and no credit okay
  • ITINs accepted
  • Fee refund available upon loan repayment when you repay your loan using direct deposit or complete our online budgeting course.
  • Easily apply online or at a branch.

Requirements

  • Must be in good standing with the Credit Union to apply.
  • Only one LIFT loan per member at any time.
  • No prepayment penalty.