Consumer Loans

Loan Department Services

Anyone who lives or works in Stearns, Benton, or Sherburne counties is eligible for membership at St. Cloud Federal Credit Union.

See our Mortgage Loan page for information on Mortgage and Real Estate Loans.

St. Cloud Federal Credit Union lends millions of dollars each year to thousands of members. Members obtain financing through St. Cloud Federal for everything from automobiles to home improvements to vacations. Loan interest rates are reviewed regularly to ensure they are competitively priced. All rates and terms are subject to change without prior notice.

New Vehicles, Used Vehicles, Recreational Vehicles (Motorcycles, ATVs, Snowmobiles, Watercraft, Campers), Line of Credit, and Personal Loans.

Your credit union also provides GAP (Guaranteed Asset Protection) coverage to protect your investment in your new or used vehicle.


Use our online calculators to research your loan options.

Meet Our Loan Staff

At St. Cloud Federal Credit Union, we offer you a variety of financing options, aimed at making your monthly payments as low as possible. Meet our experienced and knowledgeable staff, whose goal is to make our members’ experience a pleasureable one.

For Loan Applications, contact us at (320) 258-2190.

Sandy Lehnen
Vice President of Lending
Joseph Rose
Loan Officer
Kris Kelm
Loan Officer

Rebecca Finger
Loan Officer
Meadow Barth
Loan Officer
Lisa Winters
Loan Officer

Bethany Schwartz
Loan Specialist
Missy Anderson
Loan Officer
Janelle Daniel
Loan Officer

For loan applications and support questions, contact our Loan professionals at 320-258-2190 or Toll-free: 1-888-252-2634.

Get a Credit Union Car Loan at your local Dealership
Now you can get a low-cost loan from St. Cloud Federal Credit Union right at the dealership where you’re buying your next car — while you wait! To learn how, click here.

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