Personal Loans

  • Overview

    Personal Loans

    Sometimes a personal expense can catch you off guard. When you have an emergency like a car problem or need to take a sudden trip you didn’t plan on, it can be difficult to find the appropriate funds. We offer both personal loans and loans on other collateral that you own (besides a car, toy or recreational vehicle).

    Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.

    A fixed interest rate, fixed term loan for personal use

    • Fixed interest rate
    • Fixed term
    • Up to $15,000 on a personal loan*
    • Other collateral loans also available
    • Same-day funds in many cases

    Yesterday K.B. received a beautiful flower arrangement from C. and R. M. for refinancing their loan for a lower rate and better service with SoA. The card with flowers read, "Thank you very much!"

    Additional Information

    When you have to make quick decisions, this type of loan can be a great solution. You can get the money you need for whatever situation has occurred. Loan amounts are based on income, credit history, and ability to repay.

    For personal loans under $2,000, or for recurring purchases, we encourage members to apply for our VISA Credit Cards.

    Disclosures

    *Amount based on approved credit and applicant’s income.

    Loan fees and terms will vary, and will be disclosed at the time of the loan verbally and in the contract. See the Rates tab on this page for complete interest rate and fee details.

  • Rates
    Type of Loan Term* APR**

    Signature Loans

    		 Up to 72 months. Fixed Rate As Low As 10.99%

    Other Collateral

    		 Up to 96 months. Fixed Rate As Low As 7.99%

    Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the loan disclosures.

    *Terms are based on credit qualifications, value of collateral, and amount to finance

    **APR = Annual Percentage Rate. Current as of 21 December 2024. Up to 100% financing available, some restrictions may apply. Interest rates and terms dependent on credit qualifications. Interest rates on new Personal Loans are subject to change at any time. Loans under $2000 may have substantially higher APR. Optional Spirit of Alaska Protection available.

    Contact the Loan Department at (907) 459-5970 for more detail.

    Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.

  • Calculator

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    This calculator is not supported for Internet Explorer. Please use an alternate browser, such as Edge, Firefox or Chrome. Alternatively, try this simple Personal Loan Calculator.

  • FAQ

    Frequently Asked Questions

  • Apply Now

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I need help with Personal Loans

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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Letter from our Consumer Loans Department

A Message From Spirit of Alaska Federal Credit Union Consumer Loans Department About The COVID-19 Outbreak

As you know, the spread of COVID-19 has touched just about every aspect of our daily lives — from our families and schools to our places of work and worship.

We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

Payment concerns:

If you anticipate that it will be difficult or impossible for you to make your payment, there are options available.

If you become ill, are quarantined, your employment status changes or another hardship arises as a result of the COVID-19 outbreak, you may be eligible for short-term relief.

Please email us or call (907) 459-5970. We will work with our borrowers on a case-by-case basis to assist in any way possible.

If you have questions:

If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time.

Email: cloans@spiritofak.com
Phone: (907) 459-5970