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Life happens. We'll work through it together.

Financial Hardship Support

Life happens. We'll work through it together.
"Reaching out early gives us the best opportunity to help. We're here to work with you — not against you."
Sierra Central Support Team

At Sierra Central Credit Union, we understand that life doesn’t always go as planned.

If you’re experiencing financial challenges and having difficulty making your loan payments, you’re not alone, and help is available. Our goal is to work with you to explore available options, provide guidance, and help you get back on track.

Confidential

Every conversation is private and judgment-free.

No cost to talk

It's free to review your options with our team.

Member-first

We're not-for-profit — we work for you.

How We Can Help ?

If you are facing a temporary hardship, our team may be able to review your situation and discuss support options that fit your circumstances. These may include:

Temporary payment arrangements

Loan extensions or deferments (when eligible)

Loan modifications or restructures

Guidance on next steps and available resource

Options vary based on loan type, account status, and individual circumstances. While not all requests can be approved, we are committed to reviewing every situation with care and respect.
Courtesy Pay Person Using Sierra Central

What is considered a financial hardship?

We recognize that hardship can take many forms. Examples may include:

Job loss or reduction in income

Medical issues or unexpected expenses

Family or household changes

Natural disasters or other unforeseen events

Why Contact Us Early?

Reaching out as soon as you experience difficulty can:

  • Increase the number of options available to you
  • Help prevent additional fees or negative account impacts
  • Reduce stress by creating a clear plan forward

Our team is here to work with you, not against you!

If you are unsure whether your situation qualifies, we encourage you to contact us. A conversation can help clarify what options may be available.

Contact Us for Support

To discuss your situation or ask questions about available assistance, please contact our Asset Recovery support team:

Phone: 800-852-1877
Email: collections@sccu4u.com

Hours:
8:00 AM to 5:30 PM -Monday & Friday
8:00 AM to 7:00 PM - Tuesday—Thusday
8:00 AM to 1:00 PM - Saturdays

Our team is here to work with you, not against you. If you leave a message, please include your name, preferred contact method, and best time to reach you. A team member will respond as soon as possible.

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Our Commitment to You

As a member-owned credit union, we are committed to treating every member with dignity, confidentiality, and respect. Financial challenges can happen to anyone, and asking for help is a responsible step forward.

We appreciate the opportunity to work with you and support your financial well-being.

Important Disclosures Support options are not guaranteed and are subject to credit union policies, loan terms, and applicable regulations. This page is for informational purposes only and does not modify your loan agreement.