The SFCU is an entirely student-run bank serving students at the University of Pennsylvania. We cater to the unique needs of students and offer highly competitive rates on our loans. Furthermore, we understand that many do not yet have a long credit history and work with applicants throughout the application process.

As long as you are a member, there is no application fee. If you are not currently a member and are a student or alumni interested in receiving a loan, simply open a Savings Account (a $5 deposit) at the SFCU, and be able to begin the application process immediately thereafter.

The SFCU is an equal opportunity lender to all students.

The SFCU's loan rates consistently rank among the very best available.

Our loan products are very versatile. Whether you are consolidating credit card debt, covering transitional living expenses, or budgeting for spring break, we are confident that we will be able to offer you a good rate on your loan, even with short credit histories.

The SFCU offers an easy way to include a co-signer or co-maker on your loan to lower the interest rate.

Furthermore, the SFCU offers a convenient automatic debit of your loan payment from your savings account so you will not have to worry about forgetting payments.

There are no prepayment penalty fees on our loans, so you will never be assessed a fee for paying off your loan balance early.