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This is a carousel with navigation items. Use the previous and next buttons to navigate.
1. Click Apply Now to get started.
2. Upon approval, we'll open and fund a Savings Account with a $1 deposit for you to establish your membership.
Personal Loans
Get the funds you need with a Wescom Personal Loan featuring competitive rates, flexible terms, and no collateral required. From consolidating debt to planning a vacation, enjoy predictable payments designed to fit your budget.
Personal Loan Rates, Terms, & Eligibility
Competitive rates and flexible repayment options designed to help you reach your financial goals.
Loan Calculator
Calculate Your Personal Loan Today
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Complete the below and adjust the fields to your desired monthly payment. When you’re ready, select Apply Now.
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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.
Get Rewarded for On-Time Payments!3
You can count on us when it comes to getting rewarded for on-time payments. We are happy to offer a Timely Repayment Incentive Program (TRIP) to help our members get the best rates. Here's how it works:
Automatic Enrollment
If your auto or personal loan was not assigned our best available rate, excluding discounts, you will automatically be enrolled in TRIP.
Earn Lower Rates Through On-Time Payments
Every six months during the term of your loan, we'll automatically review your payment history.
Potential APR Reductions
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.
Reduce Interest Costs Faster
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.
Consistently making on-time payments can help you lower your borrowing costs while paying down your loan balance more efficiently.
A Loan Designed for Life's Unexpected Expenses
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.
A Wescom Quick Assist Loan is available to members age 18 and older who are enrolled in direct deposit with Wescom.
To qualify, you must:
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Personal Loan FAQs
Frequently Asked Questions
What can I use a Wescom Personal Loan for?
A Wescom Personal Loan can be used for a variety of purposes, including debt consolidation, home improvements, vacations, unexpected expenses, major purchases, and other personal financial needs. Funds can be used wherever additional financing may help you reach your goals.
What is a personal loan?
A Personal Loan is a closed-end loan that provides funds for personal expenses and is repaid through fixed monthly payments over a set term. Wescom Personal Loans offer competitive fixed rates, flexible repayment terms, and loan amounts of up to $100,000 for qualified borrowers.
How much can I borrow with a Wescom Personal Loan?
Qualified borrowers may obtain a Wescom Personal Loan of up to $100,000, subject to credit approval, eligibility requirements, and lending guidelines.
What are the benefits of a Wescom Personal Loan?
Wescom Personal Loans offer fixed interest rates, no origination fees, no collateral requirements, no prepayment penalties, flexible repayment terms, and a simple online application process designed to help borrowers access funds quickly.
Can I use a personal loan to consolidate debt?
Yes. Many borrowers use personal loans for debt consolidation. Consolidating multiple balances into one loan may simplify monthly payments and help you manage debt more effectively.
Do Wescom Personal Loans require collateral?
No. Wescom Personal Loans are unsecured loans, meaning you do not need to provide collateral such as a vehicle, home, or savings account to qualify.
What repayment terms are available for Wescom Personal Loans?
Wescom Personal Loans offer repayment terms of up to 72 months1 for qualified borrowers. Your available term will depend on factors such as loan amount, credit qualifications, and approval requirements.
Are there origination fees or prepayment penalties?
No. Wescom Personal Loans have no origination fees and no prepayment penalties, allowing borrowers to pay off their loans early without incurring additional charges.
What is the Timely Repayment Incentive Program (TRIP)?
The Timely Repayment Incentive Program (TRIP) rewards eligible borrowers for making consecutive on-time monthly payments. Qualified members may receive APR reductions of up to 0.50% at each review period, for a maximum reduction of up to 2.00% APR, subject to program requirements.3
DISCLOSURES
APRs (Annual Percentage Rates) are accurate as of 09/18/2026. Credit Union loan programs, rates, terms and conditions are subject to change without notice. Membership eligibility is required. All loans and accounts are subject to approval.
1The monthly payment for a 72-month term at 9.24% APR would be $18.15 per $1,000 borrowed. Terms apply.
2Loan 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.
3Total 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.
4The monthly payment for six (6) month term at 0% APR is $16.67 per $100 borrowed.