Apply for a Personal Loan in Everett
Whether it’s for a need or a want, sometimes you need extra money.
Personal loans in Everett allow you to quickly get access to cash to consolidate debt, make major purchases, or cover unexpected expenses. When you apply for a Sound Credit Union personal loan in Everett , you’ll experience the credit union difference with competitive rates and fees, tools and advice, and helpful service and support. Conveniently located, we hope you’ll stop by to experience the difference today!
Fast Approvals and Funding
It takes minutes to apply and funds can be made available that same day.
No Fees
There are no fees or pre-payment penalties.
Secure Online Document Signing
Can’t make it into a branch? No worries. Securely sign and submit your loan documents electronically.
Compare Personal Loans
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Rate Type
Rate Type
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Terms
Terms
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Borrowing Limits
Borrowing Limits
Personal Loan
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Get the money you need at a guaranteed, fixed rate.
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Rate Type
Fixed
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Terms
Fixed terms from 0-72 months
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Borrowing Limits
$500-$25,000
Personal Line of Credit
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Always have access to extra money when you need it.
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Rate Type
Variable
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Terms
Open-ended loan, no fixed terms
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Borrowing Limits
Up to $20,000
Share or Certificate Secured Loan
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Secure your personal loan using funds from a deposit account.
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Rate Type
Fixed
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Terms
Fixed term up to 60 months<sup>1</sup>
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Borrowing Limits
Up to your available account balance
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Term |
APR Range* |
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*APR = Annual Percentage Rate. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in WA can join. Membership at Sound requires a savings account. |
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Term 0-12 months |
APR Range* 8.50% – 15.90% |
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Term 13-24 months |
APR Range* 8.90% – 16.40% |
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Term 25-36 monthts |
APR Range* 9.40% – 16.90% |
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Term 37-48 months |
APR Range* 10.00% – 17.40% |
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Term 49-60 months |
APR Range* 10.50% – 17.90% |
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Term 61-72 months |
APR Range* 11.40% – 18.00% |
Open your personal loan in a few simple steps.
Apply online or over the phone
Choose the loan that fits your needs and start your application.
Sign electronically or in person
Securely sign your documents online or in a branch.
Get your funds
We can either deposit funds to your account or send you a check. You decide.
Discounts for Green Purchases
Receive an additional .25% off your rate when financing a qualifying energy-saving home improvement.
Curious if Sound can save you money?
If you have a personal loan at a different lender, use our easy comparison tool to see if Sound can offer you a lower payment or more favorable terms. It’s one of our favorite things to do!
Manage Funds with Online and Mobile Banking
Transfer funds from your personal loan to other accounts or make payments to your loan using online banking or our mobile app.
Back to top Get the answers you need about Personal Loans
Most personal loans are not backed by collateral, so lenders decide whether to loan based on a variety of factors, including your credit score, credit history, debt-to-income ratio, and free cash flow.
Sound Credit Union offers personal loans. Learn More »
A personal loan is a loan in which money is borrowed from a bank and then paid back in fixed monthly installments. They can be used for almost anything, including debt consolidation, home improvement projects, medical bills, weddings, and more.
Sound Credit Union offers personal loans. Learn More »
Green personal loans can be used for qualifying energy-efficient home improvements. These include:
- Heating and cooling systems
- Windows
- Water heating systems
- Appliances
- Insulation, air and duct sealing
- Solar and wind energy
- Skylights and suntubes
- Xeriscaping – landscapes that need little watering
- Gas conversions
Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.
Making payments from a Sound savings or checking account:
- Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
- Recurring payments can also be pre-scheduled in Online Banking.
- Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.
If you’re paying from an account at another financial institution:
- Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
- Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
*Maximum payment amount is $1500. Fees may be assessed.
Payments by Mail
Please include the last four digits of your account number and the loan number on your check.
Sound Credit Union
PO Box 1595
Tacoma WA 98401
Making payments to your Sound mortgage:
- Make payments online through the Mortgage Payment Center
- Send payments along with your monthly tear-off coupon to the address below
Sound Credit Union
Attn: Payment Processing
PO Box 11733
Newark NJ 07101‐4733
While many Sound loans allow you to defer the usual monthly payment, not all loans are eligible for Skip-a-Pay.
Loans eligible for Skip-a-Pay
- Credit cards
- Vehicle loans
- Personal loans
Loans not eligible for Skip-a-Pay
- Real estate loans
- Certificate-secured loans
- Business loans
- Payday Freedom loans
- Balloon loans
- Modified or restructured loans
- Auto Advantage loans
Get approved for a your personal loan today.
Disclosures
*APR is Annual Percentage Rate. Your rate and term will be determined by individual creditworthiness including income, debt ratio, employment, and credit history. Verification of income may be required. Must be 18 years of age to qualify for loan. Rates are subject to change.
Example of payment and total cost of loan
A personal loan of $2,000, at 6.15% APR would be a total cost of $2,130.64, making payments of $88.78/month over the 24-month life of the loan.
1 Term based on certificate maturity date.