SESLOC Emergency Loans
Get funds quickly during an emergency.
At SESLOC, we know that when natural disasters or unexpected events strike, the road to recovery can feel overwhelming. That’s why we offer a small-dollar, affordable Emergency Loans designed to help our members get back on their feet—quickly, easily, and without the usual hurdles.
This emergency loan offering is updated regularly to respond to current events affecting our communities. If you’ve been impacted, we encourage you to check back here for the latest information and access to assistance tailored to your needs.
Available loans:
We are not currently offering any event emergency loans.
However, please review our SESLOC Instant Funds loan option, which is available year-round.
Government Shutdown Emergency Loan
For SESLOC Members affected by the U.S. Federal Government Shutdown, beginning October 1, 2025.
The Federal Government reopened on November 12, 2025. The application period for this loan has ended.
Eligibility:
- Must be a SESLOC member in good standing for at least 90 days.
- Must be able to demonstrate impact from the U.S. Federal Government Shutdown, which may be a furlough notice or federal employment verification.¹
Loan Details:
- Loan amount: Up to $5,000
- Fixed Interest Rate: 5.00% APR*²
- Term: Up to 24 months²
- First payment due: within 90 days after loan inception³
*APR = Annual Percentage Rate.
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Proof of eligibility, such as federal employee furlough notice or current paystub, is required at time of application. Applications for the Government Shutdown Emergency Loan program will be accepted up to 15 business days after the shutdown ends.
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Term and payment amount based on loan amount. APR and terms subject to change without notice. Payment Example: A $5,000 loan, at 5.00% APR for 24 months, would have an estimated monthly payment of $219.36.
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First payment may be deferred up to 90 days of loan funding. Finance charges will accrue according to loan terms during the deferral period. Conditions and restrictions apply. All loans subject to SESLOC Credit Union approval.
SESLOC Emergency Loan Benefits
- Apply Anytime, Day or Night: Whether it’s a weekend, holiday, or the middle of the night, you can submit your application 24/7 securely in Online Banking or sesloc.org. Or, during regular business hours, head over to your nearest SESLOC branch or call us at (805) 543-1816.
- Quick Access to Funds: Once approved, your funds are available quickly to help you manage urgent expenses.
- Affordable and Transparent: We keep rates low and terms clear, so you can focus on what matters—rebuilding without added stress.
- Tailored for You: Loan amounts are designed for small emergencies, helping you cover essential costs without overextending your budget.
If you are experiencing difficulty in making your current SESLOC loan payment due to an emergency, please contact us at (805) 543-1816, visit any branch office. Or, check out our Mortgage Hardship Assistance information »
Budgeting & Borrowing Tips
From the News+ Blog
New Instant Funds Loan Empowers Individuals Facing Financial Emergencies
SESLOC Credit Union is thrilled to introduce the Instant Funds loans, a new short-term, small-dollar loans program designed to support individuals in need of emergency financial assistance. Keeping the credit union philosophy of “people helping people” in mind, we are introducing this product to ensure there is financial support for the underserved and underbanked in the Central Coast community.
How to Budget During Difficult Times
Many people are seeing changes in their purchasing power with continued inflation and rising interest rates. Paying more for food, gas, utilities and a variety of other goods and services affects all of us. In addition, consumer debt has never been more costly.
Money Mindfulness: Practicing Financial Self-Care
The prevalence of self-care messaging reminds us to nurture our physical and mental well-being—with mindfulness practices, exercise routines, and virtual detoxing. But what about financial self-care?
Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
