Personal Loans

Cover Unexpected Expenses

Loan or Line of Credit?

Personal Loan & Line of Credit Overview

Whether it's an unexpected expense, help covering a purchase or consolidating other loans into one monthly payment, these unsecured loans can come to the rescue. With the option of a term loan or line of credit you can draw against as needed, the choice is yours.

Check the status of your personal term loan application.

Personal Loan & Line of Credit Features & Benefits
  • Borrow the amount you need with a competitive fixed-rate loan
  • Enjoy flexibility with a competitive variable-rate line of credit
  • Use the funds for any purpose
  • Apply online anytime
  • Automatic Payments
    Automatic Payments

    Isn’t forgetting to make a loan payment the worst? It doesn’t look good on your credit report and sometimes there are late fees to boot. Yuck. The simple solution is automatic payment and we’d be more than happy to help set it up for you. If you’d like to schedule automatic payments yourself, give it a try under the Payments tab in Online Banking.

  • E-Statements
    E-Statements

    We’re all about eco-friendly, and e-statements help keep things a little tidier all the way around. You can sign up for them under the Documents tab in Online Banking, be notified by e-mail when they’re available for viewing and know they’re securely stored for you. No more hard copies to file and shred!

  • Mobile Banking
    Mobile Banking

    Mobile Banking is account management on the go. Having the ability to check balances, keep tabs on activity and transfer funds on the spot – along with several other features – is very handy and pretty much the norm these days. We’re happy to oblige.

    You have a choice – browser or app – but you'll want the app because...wait for it...you get Mobile Deposit!

  • Online Banking
    Online Banking

    Online Banking is one of the ways we help you make banking the most enjoyable hassle of your day. And when there’s access to check balances and activity, transfer funds, pay bills and more whenever you need it, banking really isn’t a hassle at all, right?

  • Payroll Deduction
    Payroll Deduction

    What is payroll deduction? It’s a way to have part of your paycheck deposited into an account or applied as a loan payment. We’re happy to accept payroll deductions if your employer offers it – check with your company’s payroll department for more information.

  • Shared Branching
    Shared Branching

    Shared Branching is the cooperative spirit in action. Thanks to a partnership with several of our fellow credit unions, you have WSECU branches away from home at over 5,000 participating credit unions. You can search for Shared Branches on our Locations page.

  • Telephone Banking
    Telephone Banking

    If you’d rather use a good old-fashioned phone to access your accounts, meet Telephone Banking. Our automated system lets you check account, loan and credit card balances, make transfers, check withdrawals and more. A quick call to our Contact Center for an access code will get you started. We also offer a guide with a detailed list of available services.

Ready to apply?

I'M READY
Check Out Our Personal Loan Rates
Personal LoansAPR*Maximum AmountPayment Period
Fixed Rate  9.00% - 15.65% $50,000.00 Repayment terms vary
A minimum payment applies
Line of Credit - Variable Rate 8.29% $50,000.00 Payment based on 4% of balance
A minimum payment applies
More Rates & Disclosures     Effective Date: April 1, 2015
Photo of Mary C.
Member Story
Mary C.

My lil' Yorkie, Lucy, knows exactly when we hit the drive-thru and makes sure she is visible to the teller! They are always so friendly and talk to her and best of all...send out that fab dog treat!