By clicking submit you agree to let South Bay Credit Union use your social security number to pull your credit report to obtain information in order to process a loan request and offer further products and services. You may be required to provide additional information in order to make a decision on your request. You will be contacted with details of your loan amount, term, and payment which will include 30 days no payment and 0.00% interest, prior to funding. No interest during the draw period. Draw period ends when people are allowed to go back to work. LOC closes when people go back to work. First Payment date 30 days after people go back to work. Loan is for 12 month term after people go back to work. First 6 months is at 0% APR. 90 days prior membership required to apply. After 30 days the qualified interest rate will be determined by account standings at South Bay Credit Union.