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. 
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Personal Loans

You gain a significant benefit with personal lending from SCCCU. We are here to help every step of the way. Whether you're ready to sign or are just bouncing thoughts around, please visit us and we'll help you determine the best solution for you.

Our mission is to serve everyone in our community with the financial resources they need. This includes loans for people who may not have access at most financial institutions. Come see how we can help you finance your dreams.

Personal Loan Details

All residents of Santa Cruz County and northern Monterey County may apply for a loan from Santa Cruz Community Credit Union.


  • Low fixed rates
  • Local decision-making
  • No prepayment penalties
  • Personal service at every step
  • Debt consolidation loans available
  • Secured loans up to $60,000
  • Unsecured loans (no collateral) up to $25,000
  • Automatic transfer or payroll deduction payments available