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!"
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.
*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.
Type of Loan Term* APR**
Up to 72 months. Fixed Rate As Low As 10.99%
Up to 96 months. Fixed Rate As Low As 10.24%
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 4 October 2023. 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.
Frequently Asked Questions
Can I get my loan payments deducted automatically from my checking or savings accounts each month?
Yes. Come in to any of our branches or download and fill out an Automatic Payment Authorization form.
Can I skip a payment on a personal loan?
Yes! If your credit is approved, you can get some financial breathing room when you need it with this special offer. Just let us know which loan payment you would like to skip. Your loan must be up to date. Normal interest charges will continue to accrue, and your skipped payment will be added to the end of your loan term.
How can I find out my loan balance?
You can find all your loan information by accessing e-Teller.
Can I change the loan payment date?
Come in to one of our branches and our loan officers can help you with changing your payment date.
How can I get more loan payment coupons?
CU issued paper loan coupons are available for a small, $5 fee. Call 907-459-5970, come in and see us, or print a blank coupon.
- Can I get my loan payments deducted automatically from my checking or savings accounts each month?