PERSONAL LOANS

Personal
Home
Auto
Boat & RV
We're like a bank, ONLY BETTER!

Sierra Central vs. The Big Banks

6.25
% APR
Citi Bank
7.99%**
Tri Counties Bank
14.75%***

A SIGNATURE LOAN can help you consolidate debt, finance a home project or fund a major milestone.

Once approved, get funds in 1 business day with direct deposit or by check in around 5 business days!
  • Loans from $500 - $25,000
  • Terms from 3 to 5 years
  • Rates as low as
    6.25
    %
  • Simple application process

A SECURED LOAN gives you the ability to borrow against your Sierra Central Share Certificate investment.

  • Borrow up to 95% of a Share Certificate of Deposit balance.
  • Low interest rate is based on what your Share Certificate account is earning plus 3.0%
  • Loan term cannot exceed the maturity date of your Share Certificate account
** based on published rates available at https://online.citi.com/US/ag/installment-loan on 5/20/2022.
*** based on market research conducted on 5/19/2022, Tri Counties Bank does not publish rates on their public website.
Rates and Annual Percentage Rates (APRs) may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

All loans subject to credit approval and some restrictions may apply. Secured loan does not require credit check and has a monthly payment requirement of $50.00.

Payment example Auto Loan: Estimated APR: $25,000 Loan Amount at 2.99% APR, for 60 months= Payments as low as $449.32 per month. Payment example Signature Loan: Estimated APR: $25,000 Loan Amount at 7.94% APR, for 60 months= Payments as low as $507.00 per month.

Consumer fee schedule
Purchase or Refinance

A HOME LOAN with a partner you can trust

If you’re looking for a HOME LOAN lender who understands your financial situation and your personal goals, let Sierra Central help you with your home loan process.

Low fixed rates & flexible repayment terms!

Loans available online, through your local branch or instantly at any participating dealership. Visit our AutoSMART car buying service to find your next car or truck.

"The car buying process is stressful, but Sierra Central helped make it feel easy. They lead us through the process every step of the way and offered great rates!"
Brandon K. (Chico, CA)
New & Used Auto Loans from...
2.99
% APR
  • For new cars, borrow up to 125% of MSRP
  • For used cars, borrow up to 125% of High Kelley Blue Book
APPLY
SHOP VEHICLES
Rates and Annual Percentage Rates (APRs) may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

All loans subject to credit approval and some restrictions may apply. Secured loan does not require credit check and has a monthly payment requirement of $50.00.

Payment example Auto Loan: Estimated APR: $25,000 Loan Amount at 2.99% APR, for 60 months= Payments as low as $449.32 per month. Payment example Signature Loan: Estimated APR: $25,000 Loan Amount at 7.94% APR, for 60 months= Payments as low as $507.00 per month.

Consumer fee schedule

Low fixed rate and repayment terms from 60 to 120 months.

Loans available online or by visiting your local branch.

New & Used Boats, RVs, and Trailers from...
5.49
% APR
  • Loan-to-value (LTV) up to 150% of invoice or wholesale NADA guide values
  • Loans for used vehicles 10-years old or newer
Motorcycles, Jet Skis and Snowmobiles from...
8.24
% APR
  • Loan-to-value (LTV) up to 90% for new and used vehicles
Apply Now
Rates and Annual Percentage Rates (APRs) may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

All loans subject to credit approval and some restrictions may apply. Secured loan does not require credit check and has a monthly payment requirement of $50.00.

Payment example Auto Loan: Estimated APR: $25,000 Loan Amount at 2.99% APR, for 60 months= Payments as low as $449.32 per month. Payment example Signature Loan: Estimated APR: $25,000 Loan Amount at 7.94% APR, for 60 months= Payments as low as $507.00 per month.

Consumer fee schedule

BECOME A MEMBER and find out for yourself, why Sierra Central Credit Union
is Northern California's premier
financial institution.