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Financing options with endless possibilities. It’s good to have choices!

Debt Consolidation

If you'd like to lower your monthly payments, or perhaps lower the Annual Percentage Rate you're paying on those other loans and credit cards, we have just what you need! This is a fixed rate loan that can be set up in a variety of ways. We'll help you choose the best way to get the lowest rate possible.

  • Low fixed rate
  • Comfortable terms
  • No collateral required
  • No loan fees

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Stretch Pay

Have you ever fallen short on funds between paychecks but didn’t want to fall prey to the traditional payday lending trap? A Stretch Pay Loan is different. Similar to a Payday loan, it is a small, short term loan, but there are some key differences. Call the Credit Union about a Stretch Pay Loan today or click below to apply today.

  • Low-cost alternative to payday loans and costly overdraft fees
  • Annual $20 application fee
  • 2% Discount through Payroll Deduction or Direct Deposit
  • Membership must be open for at least 3 months to qualify and be in good standing

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Signature(Unsecured/Personal) Loan

This type of loan can be used for a variety of reasons-vacation, education, bill consolidation, home improvement, Christmas shopping and much more. The list goes on and on.

  • Low fixed rate
  • Comfortable terms
  • No collateral required
  • No loan fees

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Share Secured

Need help establishing or re-establishing credit? SFCU’s Share Secured Loan can help! Borrow up to 90% of your available balance in either your regular Credit Union savings or certificate account. Approval is virtually automatic. It's easier to pay back a loan than it is to pay back yourself. The money becomes available in your savings as you pay down the balance on the loan.

  • Low fixed rate
  • Comfortable terms
  • No loan fees

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Student Loans

Private student loan options to help you reach your goals.

Student loans from Summit Federal Credit Union in partnership with Sallie Mae® could help!

Get ready for your next move with undergraduate, graduate, and career training loan options.

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options

Find out which loan is right for you  

Undergraduate and career training students

Undergraduate student loan

For your bachelor's or associate degree, or a certificate from a degree-granting school.

Career training loan

For professional training or certificate courses like culinary, aviation, technical, etc. from a non- degree-granting school.

Graduate students

Graduate School Loan

For graduate degrees and other master’s and doctoral programs.

MBA Loan

For business school expenses as you earn your Master of Business Administration degree.

Medical School Loan

For medical school and related expenses as you earn your MD, DO, DPM, DVM, or VMD.

Dental School Loan

For dental school and related expenses as you earn your DMD or DDS.

Graduate School Loan for Health Professions

For health professions degrees in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan

For law school and related expenses as you earn your JD or LLM.

After graduate school loans

Bar exam loan

For expenses, fees, and living costs while you study for the bar exam.

Medical and Dental residency loan

For board examination fees, travel, and moving expenses for your medical, podiatry, veterinary, or dental residency.

Learn which loan is right for you

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank. Summit Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

©[2025 – 2026] Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. 

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