Workout Loan Assistance

If you find yourself unable to manage your loan payments, contact your primary lender right away. The sooner your lender knows about your situation the better chance you have of working out a solution. Waiting to find assistance will put you further behind in your payments and increase your chances of defaulting on your loan.
SDCCU is here to help! You may request that SDCCU consider options to defer payment(s) or modify the terms on your loan. This is called a "Workout Loan." There is no cost to request a Workout Loan and you don't need to be behind on your payments to call. The sooner you call, the sooner we can help!
The following Workout Loan options may be available to members who are unable to afford their monthly loan payment:
  • Payment Deferment – If you are one, two, or in some situations, three months behind in your payments, we may be able to defer your payment and extend your loan.
  • Loan Modification – A temporary change in the repayment terms of your loan.
  • Refinance – Obtain a new loan, if you qualify.
  • Loan Repayment Plan – Repay the amount you are behind over several months (this option available for home loans only).
Contact a Real Estate Specialist at (877) 732-2848, ext. 2516,  for more information on any of the above programs.

You are still responsible for making your payment(s) while your Workout Loan request is being reviewed. Collection efforts, late fees and late payment reporting to credit bureau(s) may occur if your loan payment(s) are past due.   

Why People Love Us

SDCCU Reviews

"I love SDCCU! Better than the big banks, SDCCU has no hidden fees or extra charges and they always provide friendly service. I recommend SDCCU to all of my friends and love that they are a local bank." Lohamy A., El CajonMember since 2012

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 43 branch locations in San Diego, Riverside and Orange counties. Open an account today.

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