Personal Loans

Whatever your need, a Sierra Pacific personal loan can help you make it happen. Affordable financing with convenient terms means you’ve got the power to handle whatever life throws your way.

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Signature Loans

Signature Loans

With a Sierra Pacific signature loan, you can finance repairs, vacations, debt consolidations, unexpected expenses, big plans, and so much more. With no prepayment penalties, you can pay off your loan as quickly as you're able to.

Unlike a credit card, signature loans give you a fixed term with a set monthly payments, making it easier for you to budget and plan ahead.

Medical Loans

No matter the surgery, procedure, or treatment you’re considering, you should focus on finding the best doctors – not the cost. With a Sierra Pacific medical loan, your medical expenses are paid for immediately leaving you an affordable monthly payment, so you can recover in peace.

Whether you’re looking to cover a planned procedure or need help with emergency care, Sierra Pacific is here to finance your medical expenses in the simplest, most direct way possible.
  • Insurance Copay
  • Bariatric
  • Cosmetic or Plastic Surgery
  • Dental
  • Dermatology
  • Fertility
  • Gender Affirming Care
  • Hair Transplants
  • Hearing & Vision
  • Home Medical Equipment
  • LASIK
  • Other Procedures
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Student Loans

Student Loans

Sierra Pacific works in partnership with Sallie Mae® to help our members get the money they need for the education they deserve.

Whether you’re an undergraduate, graduate, or parent helping their student pay, these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty*
  • Multiple repayment options

Borrow Responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Sierra Pacific FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

This loan must be used to pay for eligible student expenses at participating degree-granting schools. The student cannot be a borrower or cosigner and is not responsible for repaying the loan. The borrower, cosigner, and student must be U.S. citizens or U.S. permanent residents. If the school issues a refund directly to the student, the borrower and cosigner (if applicable) are still responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

*Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

©2020 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Personal Loan Rates

Last Updated: July 30, 2024

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Overdraft Line of Credit

None

as low as

13.00% APR*

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Visa

None

as low as

8.99% APR*

Apply Now
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Personal/Unsecured

None

as low as

9.99% APR*

Apply Now
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Share Secured

36 Months

as low as

3.10% APR*

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Share Secured

37 to 120 Months

as low as

4.10% APR*

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Business Loan Products

None

None

Call For Rates

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*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.