Apply now for a low rate Consumer loan

Consumer Loans

Low cost personal loans are a key benefit of Credit Union membership. SESLOC offers a variety of loans with affordable rates.


You can apply in Online Banking, by phone at 805-543-1816 or at any branch.


Signature Loans

Rate drop alert! Signature Loans just got more affordable, now as low as 7.90% APR*. 

Our Signature Loan is an unsecured, closed-end personal loan that can be used for many purposes, including debt consolidation, home improvement, education or a dream vacation. 

  • Fixed interest rate, as low as 7.90% APR*
  • Terms up to 60 months

*APR = Annual Percentage Rate. APR is based on credit score. All loans subject to credit union approval. 


Signature Line of Credit

This is an open-ended, unsecured line of credit that lets you continually borrow funds up to your approved credit limit. The flexibility of borrowing only when you need it great for unplanned emergencies or unexpected expenses.


Share Savings Secured Loans

This low cost loan is a good way to establish credit. Your savings account continues to earn dividends while you establish a loan repayment history.

  • Loan is secured by funds in the share savings account
  • Borrow the value of the savings account, less the $5 minimum balance
  • Rate is 3% over the share savings rate, or 4%, whichever is greater
  • Terms up to 60 months

Share Certificate Secured Loans

Secured by funds in an individual share certificate (excluding IRAs or other tax sheltered certificates), this loan continues to earn dividends while you pay it down.

  • Borrow up to 100% of the share certificate value
  • Rate is 3% over the certificate rate, or 4%, whichever is greater
  • Terms up to 60 months or up to the remaining term of the share certificate


Computer Equipment Loans

Finance your new computer, printer, scanner, and other peripheral equipment.

  • Borrow up to $5,000
  • Terms up to 36 months
  • Merchant invoice required


Youth Agricultural Loans

This unique loan helps young members get started on their next animal project.

  • Borrow up to $1,500 for a one-year term
  • Make one payment of principle and interest
  • Payment due in full in 12 months or when the animal is sold
  • Requires a parent as co-signer


People are more important than profits.

New to credit unions? Learn more about our philosophy and how your money stays local.



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