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Personal Loans

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

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Loans
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Recreational Vehicle Loans
Mortgages
Home Equity Loans
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Today's Rates

As low as
View Rates
Personal Loan
10.99
%
APR*

Up to 60 months

Debt Consolidation
11.49
%
 APR

Up to 84 months

Prestige Line of Credit
8.90
%
 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 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
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Consolidation

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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
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Secured

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Savings Secured Loan**

A fresh start to building credit.

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

  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • APR = Annual Percentage 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 2.00% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 3.00%. Rates adjust annually in the anniversary month of the loan.
    Personal Loan Approximate Term APR (As low as) Payment Amount
    Personal Loan1 Up to 60 Months 10.99% $21.75/mo per $1,000 borrowed based on maximum term.
    Debt Consolidation1 Up to 84 Months 11.49% $17.39/mo per $1,000 borrowed based on maximum term.
    Share Secured(2)(‡) 4.30%
    Overdraft Line of Credit2 15.00%
    Qwik Check Line of Credit2 12.60%
    Prestige Line of Credit2 8.90%

    Loan Protection Options

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    Credit Life and Disability††

    Loan coverage for unexpected life events.

    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.