Consumer Loans

Sometimes we need a little more cash for life’s expected and unexpected expenses.  At Siskiyou Central Credit Union, we’re here to help you borrow the money you need to achieve your dreams…with low rates and flexible terms!

Pay for anything you need, easily and conveniently! A Siskiyou Signature Loan can help you consolidate debt, make a large purchase, or pay for anything else you need!

  • Low, fixed rates
  • Flexible terms of up to 60 months
  • No collateral required
  • No prepayment penalties
  • Credit Life & Disability Insurance

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Take out a loan to establish or repair your credit with a Siskiyou Share Secured Loan! It’s easy. Just borrow against what you have on deposit in your Share Account and get the lowest rate possible. Best of all, you keep your savings.

  • Lowest rates available
  • Flexible terms
  • Keep earning dividends on your savings
  • Perfect for members who want to rebuild or establish credit

Plan for the unexpected. A Personal Line of Credit by Siskiyou Central Credit Union can give you a back up plan for when you don’t have enough funds available to take care of your larger expenses.

Use it for anything—and pay back only what you borrow. It’s that simple.

  • Low interest rates
  • Use a Line of Credit for anything
  • Pay interest only on what you borrow- not on the approved amount
  • Use as overdraft protection
  • Access Line of Credit though Online Banking, debit card, or through the teller window

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At Siskiyou Central, we work hard to offer you ways to work toward financial success. When you need to establish, gain, or repair credit, we’re here to help with Credit Builder Loans.

We offer Financial Counseling with either a loan officer or let you watch a required educational video.

Establish Credit

Get a loan for anything you need—perfect for members who need to establish credit.

  • Borrow up to $1,000
  • Low loan fee
  • Terms up to 12 months
  • No prepayment penalty
  • Must be at least 18 years of age

Re-Build Credit

These loans are perfect for members who need to repair their credit because your approved loan amount is held in your Share Account. Then, when your loan is paid in full, you’re able to use your loan.

  • Borrow $500 to  $2000
  • No credit check
  • Terms up to 12 months
  • No prepayment penalty
  • Must be at least 18 years of age

Payoff-Payday Loan

Have a payday loan with an interest rate that’s too high? Siskiyou can help. We’ll pay off your alternative or payday lender debt and get you a lower interest rate that’s manageable for your budget.

  • Borrow from $300 to $4000
  • Flexible terms up to 24 months
  • Low Minimum monthly payment
  • No prepayment penalty
  • Must be 18 years of age