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Sometimes we all need extra money

There are times, despite our best efforts to save, when we need some extra money. Sometimes we need help making our paycheck stretch to cover unexpected expenses. At other times, we want to seize the chance to take a vacation or create the storybook wedding. These are the times when Seattle Credit Union’s Unsecured Loans come in handy.

An unsecured loan, also called a personal or signature loan, lets you borrow without the need to have collateral securing the loan. With rates as low as 10.99% and terms up to 60 months, an unsecured loan can be just what you need to cover those expenses that your savings haven’t had time to catch up to. There are no origination fees or prepayment penalties.

Applying for an Unsecured Loan from Seattle Credit Union is easy. You can apply online, by phone at 855.575.9352, or by stopping into one of our eight branches.

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An alternative to payday loans

We’ve all had times where our paycheck doesn't quite match up with our bills. It’s a natural time to turn to a lender to help us make ends meet. When we see ads for the smiling, happy faces of people who have gone to the local payday lender, it’s easy to think that’s the best, or maybe only, option. There are a couple of things to remember, though.

  • Payday loans have high fees, as much as $75 for a $500 loan. That’s an Annual Percentage Rate of more than 390%.
  • Payday loans have short repayment terms, no more than 45 days in the state of Washington. That means you’ll have to come up with the entire loan amount in less than two months, which can make it difficult to break the payday loan cycle.
  • Payday loans have limited amounts, up to a maximum of $700 in the state of Washington. That may not be enough to cover your expenses, and there’s no guarantee you’ll get the full amount.
  • In Washington, you can have no more than eight payday loans in any 12-month period. If you continually deal with more expenses than you have income, this resource may run out when you need it most.

Visit the Washington State Department of Financial Institutions for more information about the rules surrounding payday lending.

If you find yourself in this position, talk to us. We can examine your situation to see if an Unsecured Loan might be a more effective and cheaper solution. Our rates are much lower than payday lenders, and you can repay the loan over a longer term, up to 60 months. And, you may qualify for a larger Unsecured Loan than you would a payday loan. That can help you get a handle on your budget for a longer period. During that time our helpful, friendly branch representatives can work with you to design an ongoing budget that makes the best use of the money you have coming in, so you can start building your reserves and start living your most prosperous financial life.

Take control of your finances and talk to a loan rep at 855.575.9352 or you can also apply for an Unsecured Loan no by clicking the apply button.

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Current Rates

As low as: 10.99% APR*

*APR Effective as of September 19, 2023. See rates and disclaimers in full details here.

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Personal Loan Calculator

Use this calculator can help you estimate your payments and the amount of interest you'll pay on your personal loan.

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Enjoy the Freedom to Skip a Payment

We have all experienced the headache of an unexpected expense like an unforeseen car repair or a medical expense. Sometimes that means choosing between paying that expense or paying a loan payment. Seattle Credit Union can help you avoid that choice.

Every Seattle Credit Union unsecured loan (except those started with Upstart) comes with Anytime Skip-a-Pay, which allows you to skip up to two payments every 12 months when you need to. For a small processing fee, you can request to skip a payment with no negative impact to your credit report.

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Consolidating Debt with an Unsecured Loan

If you are dealing with high-rate unsecured debt from credit cards, payday loans, or finance companies, an unsecured loan can help you combine those payments into just one loan. That can make it easier to manage your bills and pay off your outstanding debt, especially if you can reduce your overall interest rate.

Talk to a loan rep today to see if an unsecured loan can help you save money every month. Call 855.575.9352 or click the button below to apply online.

Apply Now

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Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

Apply Now. Get Answers Fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855.575.9352 to get started.

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When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and connect you with a loan expert or help you apply online to get you a decision fast.

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