• Use your savings account or share certificate as collateral for a loan. Borrow up to the amount in your account.*

    • Continue earning dividends
    • Flexible repayment options
    • Great credit builder

    Apply Now

    Summary
    • Certificate and/or savings continue to earn dividends
    • Reduce your loan rate by 0.25% with 2,500 Salal Rewards points**
    • Borrow up to 100% of amount in savings account or certificate
    • Convenient repayment options through direct deposit

    Tip: For those with a less-than-perfect credit history or no credit history at all, taking out a secured loan is a great way to demonstrate reliability and establish or raise that credit score.

    *All Salal loans subject to credit approval. **Some restrictions may apply.

  • The Salal EZ Line of Credit gives you the freedom to borrow without paying interest on what you don't need.*

    • Access as needed
    • Low, competitive rates
    • Great defense against the unexpected

    Apply Now

    Summary
    • Much lower rates than most credit cards
    • Fixed rate, and you pay interest only on the amount you use
    • Can be set up as overdraft protection for a Salal checking account
    • Convenient repayment options through direct deposit
    • Excellent defense against unexpected costs

    *All Salal loans subject to credit approval.

    See our current rates and disclosure information.

  • A signature loan requires no collateral, just the borrower's good credit history and signature.*

    • Fixed rate, flexible terms
    • Better rates for higher credit scores
    • Wide range of loan amounts

    Apply Now

    Summary
    • Fixed rate offers security and predictability
    • Reduce your loan rate by 0.25% with Salal Rewards points**
    • Convenient repayment options through Direct Deposit
    • Flexible terms, very competitive rates

    *All Salal loans subject to credit approval. Rates and terms on Signature loans can vary based upon credit qualifications.

    **Some restrictions may apply.


    See our current rates and disclosure information.

  • A SalalReadyCash loan is the credit union alternative to payday lenders and a good way to deal with the unexpected.*

    • Longer loan term
    • Low lending fee
    • Flexible amounts

    Apply Now

    Summary
    • Longer loan term: Salal gives you a full 45 days to repay your loan.**
    • Low lending fee: SalalReadyCash charges $12 per $100 borrowed; other lenders charge more***
    • Flexible amounts: borrow from $150 to $700

    *All Salal loans subject to credit approval.

    **Payment example: a loan amount of $700 would result in one payment of $784 if paid within 45 days. Borrowers can also opt to repay in two equal installments of, in this payment example, $392 each.

    ***Annual Percentage Rate (APR) on a 45-day SalalReadyCash loan is 97.33%. APR on a 30-day payday loan from a traditional payday lender, with a $15 fee per $100 borrowed, is 182.5%.

  • Use your savings account or share certificate as collateral for a loan. Borrow up to the amount in your account.*

    • Continue earning dividends
    • Flexible repayment options
    • Great credit builder

    Learn More

  • The Salal EZ Line of Credit gives you the freedom to borrow without paying interest on what you don't need.*

    • Access as needed
    • Low, competitive rates
    • Great defense against the unexpected

    Learn More

  • A signature loan requires no collateral, just the borrower's good credit history and signature.*

    • Fixed rate, flexible terms
    • Better rates for higher credit scores
    • Wide range of loan amounts

    Learn More

  • A SalalReadyCash loan is the credit union alternative to payday lenders and a good way to deal with the unexpected.*

    • Longer loan term
    • Low lending fee
    • Flexible amounts

    Learn More

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