Get your credit in shape

Get an STCU Credit Fit Loan

Good credit means access to low-cost financing for your car, home, and everyday expenses. Good credit also can make it easier to rent an apartment, land a new job, and get lower insurance rates. 

How do you build a credit history when you don't qualify for a loan? Get an STCU Credit Fit Loan!

Call (800) 858-3750 to apply.

Or visit any STCU branch location.

Credit Fit loans are great for younger members trying to build a credit history, or for any members ready to restore their credit.

How it works

Call or visit an STCU branch location to apply for your Credit Fit Loan. If approved, your Credit Fit Loan works like this:

  • Apply to borrow from $1,000 to $2,500. The current loan rate is 5.25% APR!*
  • STCU places the borrowed funds in a dividend-earning account.
  • You make regularly monthly payments for 12 to 24 months, depending on the terms of your Credit Fit Loan. (For example, monthly payments on your 12-month, $1,000 loan would be $85.73.)
  • When your loan balance is paid in full, the funds are released to you -- plus all dividends earned during the term of your loan!

STCU reports your loan payment activity to the national credit bureaus, which provides your credit scores to interested banks, landlords, insurance companies, employers, and others you have contacted. 

As you repay your Credit Fit Loan, you build a positive credit history, improving your chances in the future to qualify for credit cards, loans, apartment rentals, a new job, and other opportunities.

Start building your credit today. Call or visit an STCU branch location to apply for your Credit Fit Loan!

Budget Fit Loan

Escape the payday loan cycle! Apply for an STCU Budget Fit Loan. A Budget Fit Loan is great for STCU members with a credit history or other debts that keep you from being approved for a traditional loan.

*APR=annual percentage rate. Loan rate details and all disclosures here.