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Last Updated: 04/18/2025

Sierra Central Credit Union Personal Loans

from Sierra Central Credit Union

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined4 total votes

3 users recommend

1 users don't recommend

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Highlights

APR (Factor Based)

9.74% - 16.74%(Verified 06/21/2024)

Amount Range

$500 - $25,000

Loan Term (Months)

36 - 60

Sierra Central Credit Union Personal Loans Review

Sierra Central Credit Union Personal Loans is offered by Sierra Central Credit Union, a credit union founded in 1955 and based in Yuba City, CA. sierra central credit union are available in 50 states and Washington, DC.

Key Takeaways

sierra central credit union Pros & Cons

Pros

Cons

Considers applicants with fair credit.

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Sierra Central Credit Union Personal Loans does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

sierra central credit union FAQ

What interest rates and personal loan terms does sierra central credit union offer?

What interest rates does sierra central credit union offer?

sierra central credit union offers a personal loan product that ranges from 9.74% APR up to 16.74% APR.

How much can you borrow via sierra central credit union?

Personal loan amounts start at $500 and go up to $25,000

What is the maximum loan term you can get with sierra central credit union?

sierra central credit union offers loans with terms of up to 60 months.

sierra central credit union Interest Rates & Loan Terms

Personal Loan Amount

$500 - $25000

Loan Term

36 - 60 months

APR

9.74% - 16.74%

What fees does sierra central credit union charge?

Does sierra central credit union charge an origination fee?

sierra central credit union may charge a personal loan origination fee .

Does sierra central credit union charge a late fee?

sierra central credit union does not disclose whether it charges late payment fees.

Does sierra central credit union charge prepayment fees?

No, sierra central credit union does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

sierra central credit union Fees

Origination Fee

Prepayment Fee

N/A

Late Payment Fee

What do you need to qualify for Sierra Central Credit Union Personal Loans?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Sierra Central Credit Union Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Sierra Central Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Sierra Central Credit Union Personal Loans.

To qualify, applicants may need to provide the following documentation:

Driver's license or other government photo ID
Proof of identity
Proof of citizenship or residence permit

sierra central credit union Eligibility Criteria

Minimum Age

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

600 - 850

Does Sierra Central Credit Union perform a hard credit pull?

Yes, sierra central credit union performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Sierra Central Credit Union Personal Loans legit?

sierra central credit union was founded in 1955, it is a well-established company that has been in business for 71 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1351 Harter Pkwy

Yuba City, CA 95993

(800) 222-7228

Visit Site

Hours of Operation

Sunday

Closed

Monday

7:00AM - 7:00PM

Tuesday

7:00AM - 7:00PM

Wednesday

7:00AM - 7:00PM

Thursday

7:00AM - 7:00PM

Friday

7:00AM - 7:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+50

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Sierra Central Credit Union Personal Loans Community Reviews

Would you recommend Sierra Central Credit Union Personal Loans to your friends?

David J.

Nov 9, 2023

May or may not recommend

Got a loan from Sierra Central Credit Union and wasn't thrilled. The interest rates were okay, but they charge you if you want to pay off early, which is a bummer. No late fees, but there's an origination fee, and they don't do soft credit pulls. It's fine if you've got fair credit, but I'm feeling like there might be better options out there without these drawbacks.

Justine W.

Nov 6, 2023

May or may not recommend

Sierra Central CU made the loan process really easy. The interest rates were reasonable and the terms flexible as well. It was a fast application and I felt really cared for as a person rather than a contract.

Natalie S.

Oct 26, 2023

May or may not recommend

Sierra Central Credit Union's Personal Loans have been a financial lifeline for me. The application process was seamless, and their interest rates are exceptionally competitive. The flexible terms allowed me to find a repayment plan that fits my budget perfectly. The approval was quick, and the funds were in my account promptly. What truly sets Sierra Central apart is their outstanding customer service. The staff is attentive, knowledgeable, and genuinely ...Show More

Anonymous

Oct 25, 2023

May or may not recommend

Sierra Central Credit Union is a great loan lending company. It is recommended as one of the best personal loan lenders. They also take applicants with at least fair credit. It's really easy to apply!

Showing 4 of 4 reviews