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Apply for a Personal Loan in West Seattle

Whether it’s for a need or a want, sometimes you need extra money.

Personal loans in West Seattle 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 West Seattle , 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!

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Fast Approvals and Funding

It takes minutes to apply and funds can be made available that same day.

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No Fees

There are no fees or pre-payment penalties.

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Secure Online Document Signing

Can’t make it into a branch? No worries. Securely sign and submit your loan documents electronically.

Compare Personal Loans

  • Rate Type

    Rate Type

  • Terms


  • Borrowing Limits

    Borrowing Limits

Personal Loan

  • Get the money you need at a guaranteed, fixed rate. 

  • Rate Type


  • Terms

    Fixed terms from 0-72 months

  • Borrowing Limits


Personal Line of Credit

  • Always have access to extra money when you need it. 

  • Rate Type


  • Terms

    Open-ended loan, no fixed terms

  • Borrowing Limits

    Up to $20,000

Share or Certificate Secured Loan

  • Secure your personal loan using funds from a deposit account. 

  • Rate Type


  • Terms

    Fixed term up to 60 months<sup>1</sup>

  • Borrowing Limits

    Up to your available account balance

Personal Loans


APR Range*

*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.


0-12 months

APR Range*

8.50% – 15.90%


13-24 months

APR Range*

8.90% – 16.40%


25-36 monthts

APR Range*

9.40% – 16.90%


37-48 months

APR Range*

10.00% – 17.40%


49-60 months

APR Range*

10.50% – 17.90%


61-72 months

APR Range*

11.40% – 18.00%

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Open your personal loan in a few simple steps.

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Apply online or over the phone

Choose the loan that fits your needs and start your application.

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Sign electronically or in person

Securely sign your documents online or in a branch.

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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.

See what home improvements qualify »

Personal Loans Long form Text

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!

Personal Loan Comparison Tool >>

Personal Loan Long form Text

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.

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:

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.

Stop by a local branch
Find a branch
Get started now
Apply online
Call Us


*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.