Borrow from neighbors, not shareholders.
Lower rates, local decisions and no prepayment penalties on any loan we make.
Loan types
What are you planning?
Auto Loans
New, used and refinance. Rates as low as 5.24% APR.
Explore auto loansPersonal Loans
Fixed rates from $1,000 to $40,000 for whatever comes up.
Explore personal loansHome Loans
Mortgages, refinancing and home equity lines, decided locally.
Explore home loans
Details
Rates and terms by loan.
Get pre-approved before the lot.
Know your budget before you shop, then take your offer to any dealer. Refinancing? Skip your first payment.
- Pre-approval in minutes
- Up to 120% of vehicle value
- No payment for 60 days on refinances
| Term | Rate |
|---|---|
| Up to 36 months | 5.24% APR |
| 48 months | 5.49% APR |
| 60 months | 5.74% APR |
| 72 months | 6.24% APR |
Up to 36 months
- Rate
- 5.24% APR
48 months
- Rate
- 5.49% APR
60 months
- Rate
- 5.74% APR
72 months
- Rate
- 6.24% APR
One fixed payment, no surprises.
Consolidate cards, cover a repair, or pay for a wedding. Your rate is locked for the life of the loan.
- $1,000 to $40,000
- Funds as soon as the next business day
- No origination fee
| Term | Rate |
|---|---|
| 12–24 months | 8.99% APR |
| 36 months | 9.49% APR |
| 48–60 months | 10.24% APR |
12–24 months
- Rate
- 8.99% APR
36 months
- Rate
- 9.49% APR
48–60 months
- Rate
- 10.24% APR
A mortgage decided in this city.
Our underwriters live here, so we understand condos, TICs and the rest of what makes San Francisco housing unusual.
- Down payments from 5%
- Local underwriting and servicing
- Rate locks up to 60 days
| Term | Rate |
|---|---|
| 30-year fixed | 6.125% APR |
| 15-year fixed | 5.500% APR |
| Home equity line | 7.49% APR |
30-year fixed
- Rate
- 6.125% APR
15-year fixed
- Rate
- 5.500% APR
Home equity line
- Rate
- 7.49% APR
How it works
Three steps to a decision.
01
Apply
Online, by phone or at any mint. Most applications take about ten minutes.
02
Get a decision
Most auto and personal loans are decided the same business day.
03
Sign and go
Sign electronically and get your funds, often by the next business day.
Will checking my rate affect my credit?
Pre-approval uses a soft credit check, which does not affect your score. A full application uses a hard inquiry.
Do I need to be a member first?
You can apply and join at the same time. Membership is open to anyone who lives, works or studies in San Francisco.
Can I pay my loan off early?
Yes. None of our loans have prepayment penalties.
What documents will I need?
Usually a recent pay stub, a government ID, and for auto loans the purchase agreement or vehicle details.
Rate discount