Cash in a Jingle
Cash in a Jingle, our 36 month holiday loan, is back! You can borrow up to $8,000, with an interest rate as low as 7.99% APR*.
Help us support our community! Donate new, unwrapped, non-violent toys to help us support Southbridge Cops ‘N’ Kids / Lions Club Toy Drive. All toys go to local kids. All our branches are drop off locations.
Personal Loans
SCU offers personal loans for a variety of purposes, including consolidation of high interest credit cards, college expenses, vacations, home improvements, and wedding costs. Visit a friendly loan specialist today!
- Maximum term of 36 months up to $3,000.00
- Maximum term of 60 months up to $15,000.00
Auto Loans
Whether you are looking to purchase a new auto, or refinance your current auto loan, Southbridge Credit Union offers competitive interest rates and terms to accomplish your goal. You can also get pre-approved for a loan so you know what you can afford before you go car shopping. Visit a friendly loan specialist today!
- Borrow up to 100% of NADA retail on vehicles 2013-2018*
- Borrow up to 70% of NADA retail value on vehicles 2009-2012*
- Borrow up to 60% of NADA retail value on vehicles 2002-2008
- Maximum loan amount: $75,000
Helpful Links
Motorcycle Loans
If you are looking to save money on fuel costs along with the enjoyment of riding the open road, consider financing a motorcycle loan with Southbridge Credit Union. Visit a friendly loan specialist today!
- Maximum term on a 2013-2018 motorcycle is 72 months up to $75,000.00
- Maximum term on a 2010-2012 motorcycle is 60 months up to $75,000.00
Pool & Spa Loans
Do you enjoy spending your free time lounging poolside? Have you dreamed of having a pool and spa in your own backyard? Do you enjoy ‘staycations’? Stop dreaming…come in to SCU and make that dream a reality! Ahhh…your own little piece of paradise! Visit a friendly loan specialist today!
- Maximum loan amount: $15,000
Recreational Vehicle Loans
Have you always wanted to spend time on the open waters and open roads? Let Southbridge Credit Union assist you with the purchase of a boat, camper, or trailer with our recreational vehicle loans that have competitive rates and convenient and flexible terms. Visit a friendly loan specialist today!
- Maximum term on a new vehicle is 144 months with a 20% down payment up to $100,000.00
- Maximum term on a used vehicle is 72 months with a 20% down payment up to $100,000.00
Power Sports Loans
Looking for an adventure? Gear up today with a power sports loan from SCU. We make it easy for you to get the ATV, snowmobile, personal watercraft or dirt bike of your dreams. Apply online today!
Mobile Home Loans with Co-op Share
Wondering if Southbridge Credit Union finances mobile homes? Yes we do! SCU finances mobile homes on leased land within a community park setting. Come in and visit with a knowledgeable and friendly loan specialist today!
- Maximum loan amount: $125,000.00
Home Improvement Loans
Looking to do home renovations, adding a pool, replacing a roof or porch? Let Southbridge Credit Union assist you with your home improvement projects. Come on in and see a knowledgeable and friendly loan specialist today!
- Loans range from $5,000.00 – $25,000.00 up to 120 months
Mass Save HEAT Loan Program
Mass Save 0% Financing HEAT Loan Program
The HEAT Loan Program provides utility customers the opportunity to apply for a 0% loan to assist homeowners with the installation of qualified energy efficient improvements to their homes. Contact Southbridge Credit Union customer representatives to review programs available.
- Loans available up to $15,000.00
- Available to Massachusetts homeowners, owner occupied 1-4 family dwellings
- Home energy assessment must be obtained through the Mass Save program prior to loan application
