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Personal Loans

Financing for life's twists, turns, and adventures.

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Loans
Auto Loans
Personal Loans
Recreational Vehicle Loans
Mortgages
Home Equity Loans
Student Loans
Take 0.50% off current personal term loan rates!
With the Explore More loan** offer, take 0.50% APR* off the advertised rates.
Explore More Loan
** Must be a new consumer term loan with Wildfire Credit Union. Cannot be combined with other Wildfire Credit Union offers. Subject to credit approval. Some exclusions and restrictions apply. Offer expires 3/31/26.

Today's Rates

As low as
View Rates
Personal Loan
10.990
%
APR*

Up to 60 months

Debt Consolidation
11.490
%
 APR

Up to 84 months

Prestige Line of Credit
8.900
%
 APR

Personal Loan Types

We offer affordable personal loans to lower debt, plan a vacation, and get cash for the unexpected.

Personal

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Personal or Consolidation Loan

A no collateral loan for life's everyday moments.

  • Loan amount: up to $65,000
  • Terms: up to 60 months 
  • Same day funding upon approval
Apply

Consolidation

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Large Debt Consolidation

The loan to get you back on your feet. 

  • Minimum Loan Amount: $20,000
  • Term Up to 84 Months
  • Loan based on credit approval
Apply

Secured

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Savings Secured Loan**

A fresh start to building credit.

  • Loan amount: no limit
  • Same day funding upon approval
Apply

Personal Lines of Credit

The instant cash backup and fee relief for your account. 

Overdraft

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Overdraft Line of Credit

Safeguards your account and allows fast cash access.

  • Loan amount: $500
  • Minimum payment: $20 monthly
Apply

Qwik Chek 

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Qwik Chek Line of Credit

A line of credit that can also be used for overdraft protection. 

  • Loan amount: Up to $5,000
  • Starting payment: $50 monthly†
Apply

Prestige

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Prestige Line of Credit

Our lowest rate line of credit with greater flexibility.

  • Loan amount: Up to $65,000
  • Minimum payment: 3% of balance
Apply

Personal Loans

Effective Date: - 12:00 A.M. EST

  • *All rates listed are the Annual Percentage Rate (APR).
  • **Based on maximum term.
  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • 1 Rates are based on the applicant’s credit score.
  • 2 There are no transaction, membership, activity, or participation fees.
  • ‡ Share secured loans are issued at 2.000% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 3.000%. Rates adjust annually in the anniversary month of the loan.
Loan Type Term APR (As low as) Payment per $1,000 borrowed**
Personal Loan1 Up to 60 Months 10.990% $21.75/mo
Debt Consolidation1 Up to 84 Months 11.490% $17.39/mo
Share Secured(2)(‡) 4.300%

Personal Lines of Credit

Effective Date: - 12:00 A.M. EST

  • *All rates listed are the Annual Percentage Rate (APR).
  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • 1 There are no transaction, membership, activity, or participation fees.
Loan Type APR
Overdraft Line of Credit1 15.000%
Qwik Check Line of Credit1 12.600%
Prestige Line of Credit1 8.900%

Loan Protection Options

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Loss of Life and Disability††

Protect your loan balance or payment in case of death or disability.

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Family Leave Protection

Protect your loan payment during approved family or medical leave.

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Involuntary Unemployment Protection

Protect your loan payment if you lose your job unexpectedly.

Disclaimers:

* APR = Annual Percentage Rate.

** IRA accounts cannot be used as collateral.

† Monthly payment dependent on the balance.

†† Not available for Overdraft Line of Credit.