Personal Loans
Whatever your need, a Sierra Pacific personal loan can help you make it happen. Affordable financing with convenient terms means you’ve got the power to handle whatever life throws your way.
Signature Loans
With a Sierra Pacific signature loan, you can finance repairs, vacations, debt consolidations, unexpected expenses, big plans, and so much more. With no prepayment penalties, you can pay off your loan as quickly as you're able to.
Unlike a credit card, signature loans give you a fixed term with a set monthly payments, making it easier for you to budget and plan ahead.
Medical Loans
No matter the surgery, procedure, or treatment you’re considering, you should focus on finding the best doctors – not the cost. With a Sierra Pacific medical loan, your medical expenses are paid for immediately leaving you an affordable monthly payment, so you can recover in peace.
Use Yours To Cover The Following:
- Insurance Copay
- Bariatric
- Cosmetic or Plastic Surgery
- Dental
- Dermatology
- Fertility
- Gender Affirming Care
- Hair Transplants
- Hearing & Vision
- Home Medical Equipment
- LASIK
- Other Procedures
Student Loans
Sierra Pacific works in partnership with Sallie Mae® to help our members get the money they need for the education they deserve.
Whether you’re an undergraduate, graduate, or parent helping their student pay, these flexible loans are designed to meet your needs:
- Competitive variable and fixed interest rates
- No origination fee or prepayment penalty*
- Multiple repayment options
Borrow Responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should 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 or a lender partner. Sierra Pacific FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products
This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Parent Loans
*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.
©2020 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.
Personal Loan Rates
Last Updated: July 30, 2024
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