Personal Loans

Need to purchase a new appliance, take an overdue vacation, or cover a medical bill? SAFE’s personal loan options can help toward just about any expense.

Credit Union Personal Loans for South Carolina Members

SAFE provides personal loans from $250 up to $50,000. Unlike a mortgage or a car loan, these funds can be used to cover a wide variety of expenses, whether planned or unplanned. These include: 

  • Furniture or appliance purchases 
  • Wedding expenses 
  • Vacation/travel 
  • Medical or vet bills 
  • Repair costs (for your HVAC, car, or anything else)

Want to simplify your financial life? A SAFE Federal Credit Union personal loan may help there, too! By consolidating your smaller loans under a SAFE personal loan, you have just one monthly payment instead of several. You may even save with a lower interest rate!  

It’s quick and easy to apply with SAFE. Get started today. 

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More Easy Ways to Cover Life's Expenses

Checking Overdraft Line of Credit

SAFE offers an overdraft line of credit to give you peace of mind when unexpected expenses come up. It's simply a loan attached to your checking account that can help cover expenses and avoid bounced checks, missed payments, and standard overdraft fees. With limits of up to $15,000 and one low, fixed rate, you'll never have to worry. 

  • Limits available up to $15,000 
  • APR* 17.95% 


Share Secured Loans

SAFE's Share Secured and Share Certificate Loans allow you to borrow at a low, competitive rate using your own savings as collateral. If you're on a tight budget, or have limited credit, it’s a convenient way to borrow since no credit is required. Your money stays in your account and continues to earn dividends. Plus, you can build credit when you make your payments on time.

Shared Secured & Share Certificate

  • 36-month term
  • APR* (as low as) Share Rate Plus 3%

Personal Loan FAQs

How do personal loans work, and what can they be used for? We answer some common questions and explain how and why to apply with SAFE.

Personal loans are a type of installment loan, which means that the borrower receives a lump sum to be paid back in monthly installments over a set period. 

You can use a personal loan for just about anything. Many of our members use their loans for: 

  • Furniture/appliances 
  • Vacations/travel 
  • Engagement ring 
  • Medical expenses

Personal loans are also a great way to simplify your financial life by combining smaller, higher interest rate debts into one low monthly payment. 

It’s quick and easy to apply for a personal loan with SAFE. Apply online, give us a call, or visit one of our 18 midlands branches. 

Before you start, it helps to: 

  • Check your credit score and dispute any errors on your credit report as necessary. 
  • Pay down existing debt if you can. 
  • Determine how much you need to borrow. SAFE provides loans from $250 up to $50,000. 

Apply Now

When you’re approved for a personal loan, you receive the loan amount as a one-time payment in your primary SAFE account. You’re then responsible for paying back that amount (and any interest) monthly over a set period. At SAFE, our personal loan terms go up to 84 months.

Personal loans cannot be used to cover monthly bills. Aside from that, you can use it for education expenses, legal/tax fees, vacation/travel, home repairs, as an overdraft repayment, to pay creditors, and much more.

As a not-for-profit credit union, SAFE works for our members instead of catering to shareholders. We offer low rates, with personal loans as low as 7.99% APR. We also provide personalized, friendly service and can work with you to meet your financial needs.  

Have several high-rate loans? Roll them into a single, low-rate personal loan at SAFE! Have a special purchase on your mind? A low-rate SAFE personal loan could be your solution there, too. Let’s see how we can help.

Apply Now

You can check the status of a pending loan application quickly and easily in our loan portal. Simply visit the link below and enter some basic information to help us identify you.

Check Application Status 

Filing an insurance claim is convenient and easy through the TruStage™ claims portal. Click here for more information and to get started with your claim now. 

TruStage™ Insurance Program 

SAFE offers TruStage™ life and disability insurance on its credit and loan products—all for the express purpose of connecting you with the coverage that you need to protect yourself and your family.

Want to know more about protecting your loan(s), or need to file a claim? Click the button below to get started.


SAFE Cents

What really affects your credit score?

Ever wonder why your credit score is what it is? Or, what its based on? Watch our video to find out!

Contact Us

Our loan specialists are here to help.

Not sure if a personal loan is right for you, or have questions about your options? Give us a call, send a message, or visit your nearest branch to get more information.