The 6/7 Loan
If you know, you know.
At just 6.00% APR for 7 months, this short-term loan gives you the breathing room you need for all the season’s extras — gifts, travel, family gatherings, or a little self-care after a long year.
Whether you’re planning something special or simply trying to stay ahead, this is your way to borrow smart, spend confidently, and pay it off fast.
The Details
- Term: 7 months
- Loan Amount: Up to $1,000
- Rates: As low as 6.00% APR (based on creditworthiness)
- Available through: End of the year
APR = Annual Percentage Rate. Rates as low as 6.00% APR for up to 7 months. Maximum loan amount $1,000. Actual rate and approval based on creditworthiness. Membership required. Federally insured by NCUA.
*To participate in this offer, the Skip-A-Pay form must be returned to Sierra Pacific no later than three (3) business days prior to the scheduled monthly transaction date. Your ACH will not be stopped. Your funds will be available for withdrawal in your Sierra Pacific savings account. Available for November 2025 or December 2025 qualifying loans only. Loan must be open for at least three (3) months to qualify, and members must be in good standing. Interest will accrue during the entire term of the loan, including the non-payment period. HELOCs, credit cards, and overdraft lines of credit are not eligible. Not all members qualify. Members must apply between November 2025 and December 2025 to qualify. See credit union for details. Federally insured by NCUA.