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spokane personal loans

No collateral? No problem.

A quick & easy personal loan process

Rates as low as 10.99% APR*

apply for a personal loan 

There may be times in your life when you need a loan but you have no collateral (house, car, etc.) to "secure" a loan and you might not want to use your Visa. If that's the case, we're here to help! 

A personal loan requires your promise to pay, and the loan amount depends on your financial situation and credit history. 

Personal loan benefits:

  • No collateral needed

  • You can use it for whatever you want! 

  • We offer fixed-rate loans so you know exactly how much interest you'll pay every month

What you could use a personal loan for:

  • Pay for immediate or emergency expenses

  • Consolidate and pay off your credit card debt 

  • Refinance your high-interest debt​​




Personal loan calculator

Find out what your monthly payment will look like with our easy-to-use personal loan calculator! Just put in your desired loan amount, loan term, and you’ll get your estimated monthly payment based on our lowest available rate.

Personal loan FAQ

We work hard to make sure we get back to you as soon as possible. We will follow up with you in 1-2 business days. 
Your interest rate will depend on your credit score. If you're an exsisting Canopy member you can access your credit score for free with the Credit Score tool from Savvy money after logging into your account. Otherwise, you can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at annualcreditreport.com. Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?
Yes, whenever you apply for a loan it is considered a hard credit inquiry and will have a small effect on your credit score. Find out more about hard pulls and inquiries.
You'll want to have your two most recent pay stubs ready. We may ask for other documents depending on the purpose of your loan. 
Your personal loan amount will depend on a variety of factors including your time on your job, current need for the loan, relationship with the credit union and more. Our member advocates would be happy to chat with you about what you might qualify for! Give us a call at 509.328.2900 or make an appointment today. 
If you miss your loan payment due date, you'll have a 15-day grace period before a late fee will apply. The late fee is 15% of the amount that is past due. 
If the loan is intended for personal use or to fix something, it may go directly to you. If the loan is for debt consolidation, the money may go out to the creditors directly. Our member advocates and underwriters can help you make this decision!

*Annual percentage rate, fixed-rate ranges from 10.99% APR to 17.99% APR, based on approved credit. Payment Example: A $3,000 loan at 10.99% APR with a 36 month term would have a monthly payment of $99.

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