Personal Loans

Borrow With Confidence

Southland Credit Union offers personal loans for all your borrowing needs, with competitive fixed rate options and a variety of terms to keep your monthly payments at a minimum.



Signature Loans

Use your good credit history to get a low, fixed-rate loan without collateral. A Signature Loan is ideal for special purchases, vacations, higher-cost debt refinancing, or whatever you choose!

  • Low fixed-rates
  • No collateral required
  • Use funds for any purpose: special purchases, vacations, consolidating higher-rate debt, or whatever you choose
  • Flexible terms from 12 to 60 months (depending on amount financed)
  • Loan amounts from $1,000 to $25,000


Personal Line-of-Credit

Do you need funds for home improvements, repairs, medical expenses, overdraft protection, and other needs? A Line-of-Credit is a convenient way to get cash, when you need it.

  • Low fixed-rates
  • No collateral required
  • Line-of-Credit can be used as over-draft protection for your Southland Checking Account
  • No set term, use the money when you need to
  • Lines available from $1,000 to $25,000
  • Convenient access with Line of Credit Convenience Checks


Deposit-Secured Loans

Use your Southland Savings Account as collateral to secure a loan. Borrow one lump sum or choose a Line of Credit where you can get cash, as you need it.

  • Low fixed-rates only 3.5% over deposit account rate
  • Minimum loan amounts of $500
  • Term of loan cannot exceed 144-month term for share-secured

Table data for Personal Loans
 Rates Effective 04-09-2020
Loan Type APR1 Payment/$1,000 Maximum Term Advance Policy Alert Me
Signature Loan 9.24% $20.88 60 Months 100% Receive a notification when this rate changes
Line of Credit 9.24% $20.88 Revolving As Needed Receive a notification when this rate changes
Payments calculated based on 60 month term. Minimum advance for closed end signature loans is $1,000. Loans are subject to credit qualification, other fees and conditions may apply. Rates are subject to change without notice. Other rates and advance policies may apply based on your individual credit profile.
  • 1APR=Annual Percentage Rate.

Personal Loan Calculators

Personal Spending
See how much you are currently spending and how much you can save by spending less.
Debt Consolidation
Find out if consolidating your existing loans and credit cards into a new loan will save you money.
Pay Debt or Invest?
Determine if paying off debt or investing the same amount is the better financial decision.
Am I Saving Enough?
Determine if your living expenses after retirement will be fully funded.