PERSONAL LINES OF CREDIT
BORROW WHAT YOU NEED, WHEN YOU NEED IT
With a flexible, affordable line of credit, you’ll be ready for life’s ups and downs.
REVOLVING CREDIT HELPS YOU COVER UNEXPECTED EXPENSES
With a Personal Line of Credit, you have the flexibility to borrow the amount you need on demand, up to your maximum limit. It has a fixed, competitive rate, and you only pay interest on the amount you borrow. If you need more money later, you can borrow more, as long as you don’t exceed your limit. Your line of credit will replenish as you pay back your balance.
You can use your Personal Line of Credit for just about anything, including:
- Unexpected expenses, like medical bills or replacing a broken appliance
- Seasonal expenses or variations in income
- Overdraft protection for your SSSCU checking account
- Debt Protection coverage is available to protect your vehicle and your finances
IT'S EASY TO APPLY
Our simple, three-step application makes it easy to apply online for a personal loan or line of credit. Just tell us what kind of loan or line of credit you’re looking for and fill in your details, and then we’ll get in touch to discuss your options.
PERSONAL LINES OF CREDIT FAQs
With a loan, you borrow all the money at once and pay it back according to a predetermined schedule over a fixed period of time.
With a line of credit, you borrow just what you need when you need it, and then you make payments each month until you’ve paid it back. If you need more money at any point, you can borrow more, up to your limit.
We offer fixed-rate personal lines of credit, so your interest rate stays the same with an SSSCU Personal Line of Credit. But keep in mind that lines of credit from other financial institutions may have variable rates.
Yes, we check your credit when you apply for an unsecured personal loan or line of credit. If you have a low credit score or a limited credit history, you may still qualify for a loan if you have a co-applicant. Contact us to discuss your options.
EXPLORE OUR LOANS AND CREDIT CARDS
Secured Personal Loans
Borrow at an affordable rate and continue to earn dividends when you use your Certificate or Savings account as collateral.
Credit Cards
With three great options to choose from, you can pick the Visa® Credit Card that's best for you.
Vehicle Loans
Get a loan for just about any type of vehicle, from new and used cars, trucks, and SUVs to motorcycles, RVs, and boats.
SET YOURSELF UP FOR FINANCIAL SUCCESS
Learn more about how to manage your money and increase your financial wellness.
How to Prepare for College Life
Practical advice on how to manage your money during college so you can enjoy this new adventure!
How to Start Managing Your Debt in Two Simple Steps
Key strategies to get yourself on the path to financial freedom.
All loans are subject to approval. Rates, terms, and conditions are subject to change. Other terms and conditions may apply, ask for details.
Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance.
