San Francisco Federal Credit Union offers several types of consumer loans to help you achieve all of your goals. Whether you are looking for an affordable mortgage, financing for a new vehicle, a short-term personal loan, or a no-fee credit card with a great rate and cash back rewards, we can help with all of your consumer lending needs. Conveniently apply for a loan today online or give us a call if you have any questions. Our dedicated team is here to support you!
Our low rates help you save on the cost of borrowing so you can keep more of your hard-earned money.
We’ll work with you to get a term that gives you affordable payments that fit your budget.
Find out how much you qualify to borrow before you start shopping for a home, vehicle, or something else.
We’ll quickly process your loan application so you can get the funds you need without delay.
Upgrade your ride while lowering your payments! We offer financing for new and used vehicles as well as auto loan refinancing. Borrow up to 100% of the purchase price and enjoy no payments for 90 days.
Flexible repayment terms of up to 96 months are available, and you can also take advantage of our Skip-a-Pay Program under certain conditions.
Get a revolving credit account that you can use for your everyday needs. Our credit card accounts don’t have any annual fees!
Take advantage of a Visa Platinum Rewards card and earn 1% cash back on purchases. Our Visa Classic Secured card is ideal for members who want to establish or rebuild their credit. Our Visa Student Platinum Rewards is a feature-rich card for students that also offers 1% cash back for everyday purchases.
Get the funds you need for various expenses without the need for collateral! There are no loan origination fees, which helps you save. If money is tight, you can also take advantage of our Skip-a-Payment Program under certain conditions.
Loan amounts start at $500, and terms of 61 days to 84 months are available to help you get affordable payments.
If high-interest debt is dragging you down, our affordable debt consolidation loan can help you save. Debt consolidation also gives you a single monthly payment, which is easier to manage than multiple payments with different due dates.
There are no origination fees, and terms of 1 to 84 months are available.
Let us help you get the keys to your dream home!
We offer a variety of flexible and affordable home loan options including fixed-rate conforming mortgages, adjustable-rate mortgages (ARMs), and jumbo mortgages.
We also offer interest-only adjustable rate mortgages (IO ARMs) that allow you to make interest-only payments for the first 10 years and POPPYLoans that offer up to 100% financing so you don’t have to save for a down payment.
You can also swap out your old loan for a new (and better!) loan with a mortgage refinance.
Tap into your home’s equity to fund a major expense! Whether you are remodeling your home, paying for a wedding, tackling unexpected medical expenses, or something else, our home equity loans help you save.
With our home equity line of credit (HELOC), you can borrow what you need, when you need it. Our HELOCs offer up to 70% LTV of home equity with 10-year withdrawal and 20-year repayment periods.
Take a month off from your vehicle or personal loan payments with our Skip-A-Payment Program (certain conditions apply).
Our loan application process is short, simple, and convenient to help you get the funds you need fast.
Conveniently view your account balance, payment history, and other loan information online or with your mobile device.
Receive email or text reminders about upcoming loan payments and payment confirmations to help you stay on track.
Schedule loan payments in advance to make sure they are always on time.
All loan decisions are made locally instead of from a distant office. We’re here to support you every step of the way!
Already a member? Fill out our short online application or drop by a local branch.
We’ll review your application, crunch the numbers, and reach out to you with a loan decision.
Review the terms and finalize your loan to get the funds you need.
San Francisco Federal Credit Union offers small-town friendliness and service right here in the city. We are dedicated to serving our members with the best rates, lowest fees, and the personalized support they need to achieve all of their financial goals.
We’re also a local organization. We care about the community and support local businesses and community initiatives so that San Francisco will continue to be a great place to live and work for everyone.
Yes, we will do a hard credit check to assess your ability to repay the loan. Your credit score is just one of several factors that will be considered for a loan decision. We will also review your employment history, income, and debt-to-income ratio.
The debt-to-income (DTI) ratio is the percentage of your income that goes toward your monthly debt payments. It helps to ensure you can make all of your debt payments in addition to the loan you are applying for.
If a loan is secured, it means collateral is used for the loan. Unsecured loans don’t use collateral. Because they are less risky, secured loans usually have lower interest rates.
You can conveniently track your loan payments, payoff amount, and other loan information online or with your mobile device while you are on the go.
If a loan has a fixed interest rate, it means the rate will not change and you will have fixed monthly payments. If a loan has a variable rate, the interest rate can fluctuate based on market conditions, and your monthly payments may increase or decrease over time.
Loan pre-approval is a process where we do a preliminary review of your finances and give you an estimate of how much you can borrow before you officially apply for a loan. It can help you set a realistic budget when shopping to narrow your search and save time.
Access your account online to apply for a loan, transfer funds, and manage your finances securely from your laptop or tablet.
Conveniently view balances, monitor account activity, deposit checks, and take care of other banking tasks with your mobile device anywhere, anytime.
Schedule automated payments in advance to avoid late fees and to make sure all of your bills are paid on time, every time.
