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Loans for Your Life’s Plans

Some days you drive to work. Other days you're dreaming of your next vacation. Tomorrow, you'll be planning home improvements. No matter what your plans are, make it happen with a Wescom loan.

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Auto Loans

Auto Loans

  • We have flexible lending options to help you borrow what you need!
  • Use your car's equity to get cash and spend it how you want
  • Rate discounts for insuring your vehicle with Wescom1 and financing an electric or hybrid vehicle2
Personal Loans

Personal Loans

  • Enjoy a low fixed monthly payment — a great alternative to raising variable rate loans
  • Pay off higher-interest debts, take a vacation, or cover unexpected expenses
Home Equity Lines of Credit

Home Equity Lines of Credit

  • Low introductory fixed rate for 12 billing cycles3
  • Flexible withdrawal and repayments
  • No closing costs or origination fees4

All Loans Subject to Approval

1 Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850. Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850. Insuring your vehicle through Wescom Insurance Services (WIS) is optional. Discount only applies if you choose to stay with WIS. If you choose to leave WIS for another insurance provider, you will lose the 0.50% APR discount which will result in higher finance charges. This increase will not change your monthly payment but may require an extra payment at the end of the term. Once a policy is canceled, the discount cannot be reinstated on the loan.

2 Loan must be for qualifying electric or hybrid vehicles to receive the 0.25% APR discount. Minimum loan amount of $10,000. Please call us at 1-888-4WESCOM (1-888-493-7266) for questions regarding the eligibility of your clean energy vehicle.

3 To be eligible for the 3.99% introductory APR, you must not have had a Wescom HELOC within the last six months. 9.00% APR to 13.00% APR is the standard variable APR that would apply if this special rate was not offered. The introductory rate is available for primary residences only with a combined loan-to-value at or below 80%. Maximum combined loan-to-value of 90%. The rate or margin you qualify for is based on various factors including your credit rating and the combined loan-to-value (CLTV) of your property. Certain fees, conditions, and restrictions may apply. The HELOC is secured by your residential property. If you’re paying off an existing real estate loan, the Credit Union does not cover costs imposed by other lenders. Rates and terms are subject to change without notice. Property insurance is required. Wescom Credit Union NMLS ID 999430

4 Wescom will cover most closing costs associated with a HELOC which may include: credit report, title insurance, flood certification, settlement/closing, recording, property search. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member. If the line of credit is paid off and the loan is closed during the first thirty-six (36) months following the date of the Note, a processing fee to reimburse the Credit Union for closing costs associated with the HELOC will be due to the Credit Union upon payoff and closure of the loan. The processing fee ranges from $750 to $2,500 depending on the loan amount of the HELOC.