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When life happens, we are here for you

Whether you need a little extra cash for college, an emergency car repair, or anything in between, a Seattle Credit Union Lightning Loan or Lightning Loan PLUS can help. With just 6 clicks in 60 seconds, you can get money when you need it most deposited right into your account. No credit check required.

Please note that you must be 18 years or older and have been a member for at least 180 days* to apply.


A Lightning Loan can help you build or repair your credit and is a smart alternative to high-interest loans. Here is some additional information to help you decide if this loan is right for you:

  • Loans range from $701-$2500
  • Repayment terms are between 12-30 months
  • As low as 24.99% APR*
  • $10.00 Finance Charge after funding has occurred
  • No credit check required
  • Instant loan decision
  • Maximum of two (2) Lightning Loans or $2,500 total per person

When evaluating your application, a loan decision takes into consideration your membership, including factors such as payment history and deposit activity. To improve your membership standing, you can do things like: 

  • Use your checking account regularly for daily purchases 
  • Stay up to date on your loan payments 
  • Avoid overdrawing your account 

Ready to apply?

It’s easy to apply for an automated Lightning Loan!

Log in to online banking or mobile banking and apply anytime under the APPLY tab.


APR is Annual Percentage Rate and is current as of September 19, 2023. Rates are subject to change at any time. Rates and financing are offered base on applicant’s credit qualifications and other underwriting criteria, including but not limited to credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated.


New to Seattle Credit Union?

*For members who are new to the credit union, welcome! Because a Lightning Loan requires 180 days of membership before applying, consider our Unsecured Loan for your short-term lending needs.


What You Need When You Need It

We celebrate our differences, as multiple perspectives breed the best solutions. We know that inclusion leads to prosperity. While prosperity is a different dream for each of us, we are committed to bringing yours to life.