Citizenship Loans

Citizenship Express

  • 9.99% APR1 or 0% interest (with a $40 processing fee2)
  • Loan amounts up to $725
  • Terms up to 12 months
  • No proof of income required


Citizenship Plus

  • 11.99% APR1 or 0% interest (with a processing fee of $13 per $100 borrowed3)
  • Loan amounts between $726 and $4,000
  • Terms up to 24 months


To apply for either type of Citizenship Loan:

Online: Click the button below. 

By Phone: Call us at 855-575-9352.

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Applicant must be a legal, permanent resident and have a valid Social Security Number (SSN). Must be 18 years or older to apply. Subject to SMCU credit underwriting. Must qualify for membership or be an existing member in good standing. Membership is open to anyone who lives or works in the state of Washington or any person related to a current member by blood, marriage, domestic partnership, or adoption. Please contact us for details at 855-575-9352.


Annual Percentage Rate (APR) and interest rate is current as of June 10, 2016. Higher FICO score may lower the rate offered. Assuming you open a Citizenship Plus loan that is $4,000 with a term of 24 months and APR of 11.99%, your estimated monthly payment is $188.00. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, and other factors.
The Citizenship Express loan has a 0% option available with a processing fee of $40.
The Citizenship Plus loan has a 0% option available with a processing fee of $13 per $100 borrowed.