Personal Loans
Get a Personal Loan from Sound
Milestones or crossroads ahead? We’ve got you covered.
Consolidate debt, make major purchases, or cover unexpected expenses.
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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Best if you need to…
Best if you need to…
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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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Best if you need to…
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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Best if you need to…
Always have access to extra money when you need it.
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Rate Type
Fixed
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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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Best if you need to…
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 months1
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Borrowing Limits
Up to your available account balance
Get today’s best rate.
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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.
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.
Check out our online banking features
Download our free mobile app today!
Instant Prequal
Curious what you’ll qualify for? Get prequalified without impacting your credit.
Get the answers you’re looking for
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
Only a Savings or Certificate account can be used for a share or certificate Secured loan. IRA, Checking, and Money Market accounts cannot be used.
Enroll in online banking today directly from soundcu.com! To get started, you’ll need your member/account number, access to your email account on file and your mobile device (if applicable).
You can also enroll directly from your mobile device by downloading the app from the Apple or Android stores.
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.