Personal  Loans

Smiling woman ponders a UW Credit Union personal loan to finance a large expense

Whether you want to consolidate debt, finance a purchase or pay for an unexpected expense, our personal loans and lines give you the flexibility that allows you to borrow what you need, when you need it.

Fixed Rate1

Rates as Low as
9.90
%
APR * 60 mo.

Reserve Line

Rates as Low as
11.25
%
APR *

Paycheck Advance

 
21.75
%
APR *
Man sitting on the floor explores fixed-rate personal loan options from UW Credit Union

Fixed-Rate Personal Loan

An affordable, fixed-rate loan is perfect for consolidating your debt, transferring existing credit card balances or covering other expenses.

  • Choose the term and amount
  • Fast turnaround with online applications
  • No prepayment penalties

If your family would struggle with making monthly payments in the event of a death or disability, consider adding Payment Protection. Contact us to help you decide what’s right for your situation.

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Reserve Line of Credit

You never know when you might have an unexpected expense. Be prepared with our affordable reserve line of credit. Plus, when you pair this service with checking, you have consumer-friendly overdraft protection in case of any minor account miscalculations.

It’s Affordable — We offer a low interest rate, and you’ll pay interest only on the actual balance.

No Hidden Costs —  There’s no annual fee, cash advance fees or monthly service charge. A $5 transfer fee2 automatically covers your checking overdrafts.

It's Convenient  Access it 24/7 through Web Branch and use it again and again without reapplying. Plus, set up Notifications to keep you informed on overdraft advances.

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Woman takes notes while researching a reserve line of credit online
Couple looks at paycheck advance services from UW Credit Union online

Paycheck Advance

Sometimes you just can’t make it to payday. UW Credit Union offers an alternative to payday loans at a fixed interest rate that is significantly lower than the national average. Plus, there’s no application or monthly service fee and no prepayment penalty.

If you’ve been a member for more than six months, you may have access to Paycheck Advance at anytime through Web Branch if you meet the following requirements:

  • Have a personal checking account in good standing
  • Receive a payroll direct deposit into your checking account for two consecutive statement cycles
  • Maintain a positive loan and credit payment history with no delinquencies or previous owed debt to UW Credit Union

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