Make your goals happen with a personal loan
Features You’ll Love
A personal loan allows you to access funds for both planned or unexpected expenses. Think: paying off debt or even covering your dream wedding! SunWest offers benefits such as fixed payments that fit your budget and access to low, competitive rates
Fixed rates as low as 9.99% APR*
Borrow up to $25,000
No minimum credit score
No pre-payment penalties
Clear payoff timeline
No collateral required
Less paperwork, faster access to funds
Flexible terms, ranging from 6 - 60 months
Easy online application process
Quick funding once approved via check, cash, or direct deposit
Check our competitive personal loan rates and calculate your estimated payments so you know what to expect before you buy.
Like any form of credit, a personal loan should support your bigger financial picture. Take a moment to think through your goals and how this decision fits into your long-term wellbeing.
You can apply online in minutes, or book an appointment—by phone or in person—and a SunWest expert will walk you through it.
What’s the difference between secured and unsecured loans?
A secured loan is backed by collateral, like a home or car.
An unsecured loan doesn’t require collateral and is approved based more on factors like your credit score and financial profile. Because of this, unsecured loans typically have higher interest rates.
Can I get a personal loan with bad credit?
We look at more than just your credit score. Applications are reviewed based on factors like income, credit history, and debt-to-income ratio.
There’s no strict minimum score, our goal is to understand your full financial picture. Don’t be afraid to apply!
What are the minimum and maximum loan amounts?
Personal loans range from $500 to $25,000.
Once approved, funds can be issued by check, cash, or deposited directly into your SunWest account.
What’s the difference between a signature loan and a personal loan?
The terms are often used interchangeably. A signature loan is simply a type of unsecured personal loan.
At SunWest, personal loans are unsecured, require no collateral, and are repaid in fixed monthly payments over a set term.
What’s the difference between a personal loan and a personal line of credit?
A personal loan gives you a lump sum with a fixed rate and fixed monthly payments over a set term — best for one-time or larger expenses.
A personal line of credit works more like a credit card. You’re approved for a limit, can borrow as needed, and only pay interest on what you use. Rates are typically variable, making it better for ongoing or flexible expenses.
*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.
See a representative for complete details, qualifications, and disclosures.
