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Personal Loans

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​⁹​​Personal Signature Loan: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 11/01/2024 and are dependent upon creditworthiness. The APR for a Signature loan is a fixed rate for the duration of the loan. The APR will vary from 11.99% APR to 18.00% APR, depending upon your creditworthiness; the APR will be determined at the time your application is approved. Loan amounts up to $7,999 have a maximum term of 48 months and loan amounts $8,000 or more have a maximum term of 60 months. For example, a Signature loan for $7,000 with a 48-month term (4 years) at 11.99% APR will have a monthly payment of $184.34. Other rates, terms, payments, and loan amounts are available. The minimum loan amount is $500, and the maximum loan amount is $50,000. If your payment is more than 10 days late, there is a Late Payment Fee of 5% of the payment due.​
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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​¹⁰​​​QCash Loan: All loan applications are subject to review of eligibility and approval. The Annual Percentage Rate (APR) is accurate as of 11/01/2024. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 17.00% APR. For example, a QCash loan for $1,000 with a 12-month term (1 years) at 17.00% APR will have a monthly payment of $91.18. Other terms, payments, and loan amounts are available. The minimum loan amount is $200, and the maximum loan amount is $2,000. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 180 days and are considered a member in good standing. QCash loan is not available in Member Centers; it is only available through online or mobile banking. No minimum credit score required.​​
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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​¹¹ReadyLine Line of Credit®​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 11/01/2024​ and may change at any time. The APR for the ReadyLine Line of Credit® is a fixed rate for the duration of the loan. The APR will vary from 12.50% APR to 18.00% APR, depending upon your creditworthiness; the APR will be determined at the time your application is approved. The minimum loan amount is $250, and the maximum loan amount is $50,000. An advance on the Ready Line of Credit® is considered a cash advance. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Click here for Credit Card Rates, Fees and Other Cost Information related to the ReadyLine Line of Credit®.​​​
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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​¹²StretchPay Line of Credit®​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 11/01/2024​​​ and may change at any time. The APR for the StretchPay Line of Credit® (SPLOC) is 25.00% APR and is a fixed rate for the duration of the loan. The SPLOC offers credit limits of $150, $250, and $500 with a maximum term of 2 months. The SPLOC must be paid in full before funds can be advanced – partial or subsequent advances are not permitted. Prior to the first advance, borrowers are required to deposit funds into their TrueSaver® share account in the amount of $15 for a $150 credit limit, $25 for a $250 credit limit, and $50 for a $500 credit limit that will be held and unavailable for withdrawal until the first annual renewal date or the SPLOC is closed. SPLOC annual renewals are subject to credit review and approval. SPLOCs that have been auto approved for annual renewal expires after 60 days, afterward the borrower must reapply. The annual renewal fee must be in the borrower’s WPCU account and paid prior to loan advance. An advance on a SPLOC is considered a cash advance. There is an Annual Renewal Fee of $25 for a credit limit of $150, $35 for a credit limit of $250, and $70 for a credit limit of $500. If your payment is 11 or more days late, there is a Late Payment Fee of 5% of the payment due. Click here for Credit Card Rates, Fees and Other Cost Information related to the StretchPay Line of Credit®. ​​
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