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A loan that does not require collateral.

You can get an unsecured loan even if you don’t have collateral like a home or a vehicle. All you need to do is apply. We offer signature loans, share-secured loans, and Kwik Cash Line of Credit for qualified members.

Why a loan with us is different

There are big pluses to going local for your lending. We can sit down with you face-to-face if you have any questions or concerns. And we’re a not-for-profit organization, which means we have our members best interests in mind.

  1.  You don’t need to have a house or a car to qualify
  2.  Terms up to 60 months
  3.  Use the money on any purchase of your choice

Unsecured Loan

You can borrow up to $20,000 (subject to approved credit and loan policy limits) in unsecured credit for any purpose. All loan limits and terms are subject to individual credit history and score.

Certificate or Savings Secured Loan

You can borrow 100% of your funds on deposit for 2.00% above the Share Certificate Account dividend rate or 4.00% above the Share rate. We offer a flexible repayment term of up to the term of the certificate.

Kwik Cash Line of Credit

This is an open-end line of credit loan product that functions as an overdraft source for your SMACU Checking account, as well as a revolving line of credit to use as needed to fuel your financial lifestyle. You can establish a line of credit up to $15,000 (subject to approved credit and loan policy limits).

On those occasions where your account balance is not sufficient to cover a payment request, no matter what the source–VISA Debit Card purchase, scheduled online bill payment, or a check an advance is made on your behalf from your available line of credit to honor the payment.

The cost to you is only the interest on the loan advance until you pay it off–in most cases, the interest you pay will be well below the fees incurred for a dishonored payment due to a lack of available funds in your account. With a Kwik Cash account, you can say goodbye to those embarrassing moments due to an innocent oversight and save yourself money too!

Apply Now

*APR = Annual Percentage Rate. Subject to credit approval. Some restrictions apply. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.