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Personal Loans

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Personal Loans

With a Wescom Personal Loan, you can

  • Consolidate debt
  • Make home improvements
  • Go on a vacation
  • Take care of big expenses

Personal Loan Rates

 
Amounts Up To
Rate $100,000
Terms Up To
Rate 72 Months
Fixed Rates As Low As
Rate 9.74%*
Amounts Up To $100,000
Terms Up To 72 Months
Fixed Rates As Low As 9.74%*
Apply Now

Membership eligibility required. A $1 deposit to a Regular Savings Account is required. Terms and conditions apply. Insured by NCUA

Loan amount based on the Credit Union's maximum aggregate unsecured loan limit of $100,000 per qualifying member. This includes all individual and joint unsecured credit combined.

*APR=Annual Percentage Rate

At a rate of 9.74% your monthly payment on a 72-month term would be $18.40 per $1,000 borrowed.

Personal Loan Benefits

Whatever your goals are, a Wescom Personal Loan can help with these benefits:

  • Fixed rate as low as 9.74% APR*
  • No origination fees
  • No collateral needed
  • Worry-free fixed monthly payments with terms up to 72 months**
  • No pre-payment penalty if you decide to pay your loan off early
  • Automatic payments available for your convenience
  • Loan amounts from $500-$100,000***

Loan amount based on the Credit Union's maximum aggregate unsecured loan limit of $100,000 per qualifying member. This includes all individual and joint unsecured credit combined.

*APR = Annual Percentage Rate. All loans and rates subject to approval and based on applicant's credit rating.

**Maximum term based on loan amount.

***Loan amount based on the Credit Union's maximum aggregate unsecured loan limit of $100,000 per qualifying member. This includes all individual and joint unsecured credit combined.

Loan Calculator

Wescom Personal Loan

Borrow money with confidence knowing that Wescom has your dreams covered!

Complete the below and adjust the fields to your desired monthly payment. When you’re ready, select Apply Now.



Estimated Monthly Payment:


$0.00

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This calculator is designed to provide estimated payments using the information provided. The payment example applies the best interest rate available based on your stated estimated Loan Amount, Loan Term, and Credit Score Rate. See wescom.org for current rates and terms. Your interest rate, payment and terms may differ based on our credit evaluation and final loan approval. We do not guarantee the accuracy of the calculator or its applicability to your circumstances.

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Features & Benefits

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FICO Score
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Mobile Banking
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ATM and Branch Locator
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Online Banking
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FICO Score
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Mobile Banking
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Online Banking

FICO® Score

Check your monthly credit score with FICO®

†FICO® Score through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive a FICO® Score

Mobile Banking

Stay in control by managing all your accounts with ease through Wescom’s Android App and iOS App.


ATM and Branch Locator

Easily find a Wescom branch or ATM that is most convenient for you by using our ATM and Branch Locator tool.


Sign into Online Banking

Insurance

Add security and peace of mind with Wescom’s Auto Insurance, Homeowners Insurance, Renters Insurance, Life Insurance, and more.

Learn More

Online Banking

Tap into free online banking and engage with all our mobile banking tools on Online Banking.

Sign into Online Banking

FICO® Score

Check your monthly credit score with FICO®

†FICO® Score through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive a FICO® Score

Mobile Banking

Stay in control by managing all your accounts with ease through Wescom’s Android App and iOS App.


ATM and Branch Locator

Easily find a Wescom branch or ATM that is most convenient for you by using our ATM and Branch Locator tool.


Sign into Online Banking

Insurance

Add security and peace of mind with Wescom’s Auto Insurance, Homeowners Insurance, Renters Insurance, Life Insurance, and more.

Learn More

Online Banking

Tap into free online banking and engage with all our mobile banking tools on Online Banking.

Sign into Online Banking

Get Rewarded for On-Time Payments!

You can count on us when it comes to getting rewarded for on-time payments. We are happy to offer a Timely Incentive Repayment Program (TRIP) to help our members get the best rates! Here’s how it works:

  • If your auto or personal loan was not assigned our best available rate, excluding discounts, you will automatically be enrolled in TRIP.
  • Every six months during the term of your loan, we’ll automatically review your payment history.
  • If you’ve made six consecutive on-time payments, you may receive a rate reduction of up to 0.50% APR for a maximum reduction of 2.00% APR.
  • Your minimum payment will remain the same, however, the rate reductions will reduce the amount of interest charged and help you pay the principal loan balance faster.

* APR = Annual Percentage Rate. Total discount of up to 2.00% APR applied in 0.50% APR increments for every six consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

A first instance of a late payment will reset any progress toward a TRIP rate reduction so that six consecutive, on-time monthly payments will be required for the next rate reduction. A second instance of a late payment will disqualify you from any additional TRIP discounts for the remainder of the loan. Any instance of a “Skip a Pay” option will advance the review date by an additional month. No TRIP rate reduction will be applied on the review date if there are any restrictions on your account. In addition, your TRIP progress will reset so that six consecutive, on-time monthly payments will be required for the next rate reduction. Any loan modifications or deferments will disqualify you from the TRIP program. Changes in rate reduction will be shown on monthly periodic statements and eStatement or by US mail. Offer may be discontinued or changed at any time without notice.

Quick Assist Loan

A Quick Assist Loan is a zero-interest, no credit check loan. This alternative gives borrowers fast access to cash to cover unexpected expenses.

Benefits of a Quick Assist Loan

  • Borrow up to $800 per loan
  • No lengthy application process
  • Flexible repayment terms of up to six (6) months
  • No interest charges (0% APR) with a one-time application fee
  • Loan payments will be reported to credit bureaus

A Wescom Quick Assist Loan is available to members ages 18 and up who are enrolled in direct deposit with Wescom.*

Call us at 1-888-4WESCOM (1-888-493-7266) or visit any one of our branches to apply today!


APR = Annual Percentage Rate

Six (6) monthly payments of $16.67 per $100 borrowed.

*Eligibility terms and conditions apply. The member must have had a $400 minimum ACH direct deposit each month for the past three (3) calendar months. Transfers done via ATM, teller, Person to Person payments (such as Zelle®) are not considered a direct deposit.

The member cannot be in their New Member Period, have a negative share of any amount, have any delinquent loans, and cannot have more than three (3) Quick Assist Loans in a six-month rolling period.

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