Consumer Loans

Are you in the market for a new auto, RV, motorcycle or boat; or perhaps you’re planning some exciting and needed home improvements; or need to pay off some credit cards? With our competitive rates, we’ll help you fulfill your ‘wants’ and ‘needs’ list! Our experienced loan specialists are available to speak with you in person, by email or phone.

Cash in a Jingle 2021

Cash in a Jingle, a 24-month holiday loan, is back! You can borrow up to $5,000 with an interest rate as low as 6.50% APR*.

*APR = Annual Percentage Rate. Offer valid on loans new to SCU. Rates are determined by your personal credit history. Payment based on $5,000.00 for 24 months is $222.73 and finance charge is $345.28. Offer may be withdrawn at any time and rates may change at any time without notice. Rates as low as 6.50% require automatic payments from a Southbridge Credit Union checking account. The rate for non-automatic payments is 6.75%. In the event of cancellation of automatic payments from SCU account after loan consummation, SCU may increase your loan interest rate by .25% APR. Risk based pricing does apply to this par rate. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #616673.

Rates as low as 3.25% APR*

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 2014-2022
  • Borrow up to 70% of NADA retail value on vehicles 2012-2013
  • Borrow up to 60% of NADA retail value on vehicles 2011 and older
  • Maximum loan amount: $75,000
*APR = Annual Percentage Rate. Rate is determined by your personal credit history. Auto rate applies to 2019 & newer vehicles; maximum term of 63 months. Offer valid on loans new to SCU with payment automatically deducted from a qualified SCU checking account. Payment example: $10,000.00 @ 3.25% for 63 months; P & I $172.90, total interest over life $892.55. Offer may be withdrawn at any time and rates may change at any time without notice. APR reflects a 0.25% discount for automatic payment deducted from qualified SCU checking account. Cancellation of automatic payments from SCU deposit account after loan consummation may result in rate increase. Membership to SCU requires a one-time interest-earning deposit of $5.00 in a prime share account. Equal Housing Opportunity. Equal Opportunity Employer. Federally insured by NCUA. NMLS #616673.

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
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 2017-2022 motorcycle is 72 months up to $75,000.00
  • Maximum term on a 2014-2016 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 by SCU

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

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
MassSave 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