Personal Loans with SPC

SPC offers personal loans to members who have a sound credit standing. Personal loans are based on the member’s individual qualifications. Members are limited to two short-term personal loans in any 12-month period. SPC offers loans in the following amounts:

• Short-term Loans: $500-$1,000: 12 month-term; limit (2) per 12 months.
• Large personal Loans: $1,001-$40,000; 24-60 month-term; term corresponds with amount of loan; may be extended up to (6) months for Debt Protection Coverage.
• Personal Credit Line: Minimum credit limit $1,000; ask us for more details.
• Overdraft Protection: Maximum credit limit $500; ask us about qualifications & other details.

These terms may be extended up to 6 additional months for SPC Debt Protection Coverage.

Members may be eligible for a personal line of credit at a minimum amount of $1,000. Contact our lending department for more details about opening a personal line of credit. You can also get in touch with one of our Certified Financial Counselors to talk through strategies to manage your expenses!

Overdraft Protection gives you peace of mind by helping to prevent overdrafts through a transfer of funds to your SPC Checking Account from another account. Overdraft lines of credit are subject to credit approval. Visit our Checking page for details on SPC’s Overdraft Protection Program.

Give yourself some credit with an SPC VisaⓇ Credit Card! We’ve got three options to choose from, so you’re sure to find one that fits just right. Visit our Credit & Debit Cards page to learn more!