When you need funds, we make it easy.
Big plans or unexpected expenses — our Personal Loans are designed with low rates and flexible terms to fit your budget, including No Payments Up To 45 Days. Apply in minutes and get the clarity you need to move forward.
Terms and conditions apply.
Find the right personal loan for your needs.
Whether you’re looking for a debt consolidation loan, funds for home repairs, medical expenses, or a major purchase, Santa Rosa County Federal Credit Union offers local lending solutions you can trust.
Personal Loan
Borrow a one-time lump sum with a fixed rate and predictable monthly payment.
Best for: Debt consolidation, medical bills, emergency expenses, home improvements, or large purchases.
Open Line of Credit
Need flexible access to funds? An open line of credit allows you to borrow what you need, when you need it, up to your approved limit. You only pay interest on what you use.
Best for: Ongoing expenses or debt consolidation
Vacation Loans
Ready to take that dream trip but need a little financial boost? Our Vacation Loans help you with your travel-related expenses without straining your budget. (Available May 1- August 31)
Best for: Airfare, accommodations, activities, and other costs associated with your vacation.
Christmas Loans
Free up cash for holiday expenses. Borrow up to $2,000 for up to 12 months. (Available October 1- December 31.)
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| Personal Loan | Up to 60 Months | 10.40% |
| Personal Line of Credit | Up to 60 Months | 9.90% |
| Credit Rebuilder | Up to 12 Months | 18.00% |
| Starter Signature | Up to 12 Months | 18.00% |
| Vacation | Up to 12 Months | 9.90% |
| Christmas | Up to 12 Months | 9.90% |
Disclaimers: *APR=Annual Percentage Rate. Rates effective October 1, 2025. Rates are subject to change without notice and may vary based on creditworthiness, loan term, and collateral. All loans subject to credit approval. SRCFCU membership required.
Calculate Your Loan Payment
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
How it works
Getting Started Is Simple:
Apply Online – Complete your application in minutes.
Quick Decision – We review your application promptly.
Receive Your Funds – Approved funds are deposited directly into your account.
What Our Members Are Saying
Frequently Asked Questions
Answers to some of the most common questions about personal loans with SRCFCU.
What credit score do I need for a personal loan?
Approval is based on several factors, including credit history, income, and debt levels. Contact us to discuss your specific situation.
How quickly can I receive funds?
Funding times vary, but many loans are processed quickly once approved. Most applications are generally processed same day.
Can I pay my loan off early?
Yes! There is no penalty for paying off your loan early.
Can I use a personal loan for debt consolidation?
Yes. Many members use personal loans to consolidate higher-interest credit card balances into one manageable monthly payment.
How do I make a loan payment?
You can make loan payments through Online Banking, the SRCFCU Mobile App, CALL24 Phone Banking, automatic transfers, in person at any branch, or through our Loan Payment Options page.
Ready to Get Started?
As a local credit union serving Santa Rosa County and surrounding communities, we focus on helping our members borrow responsibly and confidently. Our team is here to help you find the right loan for your needs.
Call: (850) 623-3877
Email: loans@srcfcu.org
Disclaimers: *APR=Annual Percentage Rate. Rates effective October 1, 2025. Subject to credit approval and conditions. Rates are subject to change without notice and may vary based on creditworthiness, loan term, and collateral. All loans subject to credit approval. SRCFCU membership required.