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Personal Loans and Lines of Credit

  • Competitive fixed-rate loans
  • Flexible variable-rate lines of credit
  • Use the funds for any purpose

Here's what you'll need

Here's what you'll need

Auto, Recreational Vehicle, Personal Loan or Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses; e.g., monthly child support, child care, alimony, etc.
  • Loan information (if refinancing a loan from another institution)

Personal Loans and Lines of Credit

  • Competitive fixed-rate loans
  • Flexible variable-rate lines of credit
  • Use the funds for any purpose

Here's what you'll need

Personal Loan and Line of Credit Rates
Loan type APR Loan maximum Repayment period
Personal Loan 10.24% - 27.99%
APR
$30,000
Loan maximum
Up to 84 months
Payment example

Closed-End Personal Loan Example: $24.06 per $1,000 for 60 months at 15.51%

Rates and terms listed are current as of May 1, 2026. Rates and terms are subject to change at WSECU's discretion.
Repayment period
Personal Line of Credit Variable Rate 9.22%
APR
$1,500
Loan maximum
Payment based on 4% of balance. A minimum payment applies.
Conditions

Personal Line of Credit variable rate loans are calculated at the rate specified, then adjusted quarterly based on the index plus a margin indicated in the Truth-In-Lending Disclosure.

Rates and terms listed are current as of May 1, 2026. Rates and terms are subject to change at WSECU's discretion.
Repayment period

Rates and terms listed are current as of May 1, 2026. Rates and terms are subject to change at WSECU's discretion.

Personal Loan Calculator

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

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What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
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What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
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How much would you like to borrow?

This is the total loan amount.
$
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What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
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Loan Information

The amount you will pay towards the loan monthly.
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The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
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The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

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When using the calculator, please remember the dollar amounts displayed aren't guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Personal Loan Rates
Type of LoanAnnual Percentage RateLoan MaximumRepayment Maximum
Personal Loans*10.24% - 27.99% *$50,000Up to 84 Months

Rates and terms listed are current as of May 1, 2026. Rates and terms are subject to change at WSECU's discretion.

*Rates quoted are for loans maintaining an automatic payment feature. Rates for all loans not maintaining an automatic payment feature will be 0.25% more excluding Visa® and variable rate loans.  ↵

Resources

Debt Consolidation Calculator

Personal Loan Calculator

How to make a payment

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