As a responsible financial partner, San Francisco Federal Credit Union is committed to making sure we have safe and ethical lending practices. This means that when you apply for one of our loan products, we do a thorough review to ensure that granting the loan does not put you in an uncomfortable financial situation. Your credit score and income tell a story on your ability to manage your finances and your commitment to paying money owed. It also helps us determine the amount we can lend to you and at what rate.