Loans

Simplify Your Life With the Right Loans for You

From the mortgage on your house to the process of attending college, loans are a big part of everyday life for most Americans. Whether you're trying to make ends meet or you're making improvements to your home, your education, or your life, St. Cloud Financial Credit Union has all the tools you need. 

Auto Loans

From buying a new car to refinancing your existing car, we're here to make your experience as easy as possible. Apply in person, over the phone or at the dealership to get the options you need when you need them. Our goal is to provide you with a loan that meets your needs, saves you money, and helps you build for your future. 

Mortgages

The team at St. Cloud Financial Credit Union offers a wide range of mortgage products to simplify your home buying experience while saving you money. We're here to make financing as easy and available as possible, including:

• Buying a lot and constructing a new home.
• Buying your first home or your last home.
• Buying a second home or an investment property.
• Refinancing to lower your payment or consolidate debt.

Student Loans

Make your education affordable with student loans from St. Cloud Financial Credit Union! We understand that the cost of going to school is often unaffordable, making the right student loan invaluable. Education is extremely important, which is why we're always here to offer loans that include benefits like:

• Zero Origination Fees for all qualified borrowers
• Competitive interest rates that decrease as your grades increase
• 1% interest rate reduction once 10% of the loan principal is repaid during the full repayment period.
• Flexible 30-day no-fee return policy
• Available cosigner release after 24 consecutive on-time principal and interest payments.
• Borrow as little as $2,000 or as much as the full cost of attendance per year for a maximum of $120,000 in undergraduate loans or $160,000 in graduate loans.

Consumer Loans

Sometimes, circumstances arise in life that require a little more cash than you have on hand. Instead of letting that stand in your way, apply for a consumer loan that can cover your expenses quickly and affordably. 

• New vehicles
• Used vehicles
• Recreational vehicles
• Line of credit
• Personal loans

St. Cloud Financial Credit Union is more than just your local solution for banking - we're here to make every step of your life a little easier. Call today to speak to our team of loan experts and get started in securing financing for your future.

Refinancing

We want to be the first place you think of when you consider new credit. We also want you to save money on your current loans. One of the many benefits of being a member of St. Cloud Financial Credit Union is access to our low interest rates. We offer refinance options on secured and unsecured credit including home mortgage. To see if we can offer you a better rate on your current loans, call or stop in to meet with a Member Advisor today!