Personal Loans & Lines of Credit

Apply Now Woman smiles in her living room.

Finance All Your Big Plans

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.

Get the Money You Need

Personal Loans

Rates as low as 5.55% APR* for 36 months! Learn More

Reserve Lines of Credit

Link with checking for Overdraft Protection. Learn More

Paycheck Advance

Emergency cash with no application. Learn More


Budget Help Starts Here

Use a personal loan or reserve line of credit from UW Credit Union to fund your big plans, cover an emergency and more.

  • Competitive interest rates - Save with lower rates and fewer fees than you'll find elsewhere.
  • Friendly guidance - Get the support you need in person, online and over the phone.
  • Anytime access - Check balances, make transfers and more with easy online and mobile banking.
  • Payment protection - Optional coverage if your family would struggle with loan repayment in the event of a death or disability. Contact us to help you decide what’s right for your situation.

Apply NowCompare OptionsView Rates

Application Process

Applying for a personal loan or reserve line of credit is easy and takes just a few minutes. 

  1. Specify how much money you want to borrow. 
  2. Answer a few quick questions about yourself.
  3. Get an answer, usually within one business day.

That's it! Upon approval, personal loan funds are automatically transferred into your account. Reserve lines of credit are available for use usually within one business day.

Apply NowCompare OptionsView Rates

There is no application process for Paycheck Advance. If you qualify for this product, it will automatically be available to you in Web Branch under the Products & Offers tab.

We Can Help

Have questions or need help? Our team is here for you.

Schedule an AppointmentRequest a Call


Enjoy the Benefits of Membership

When you open an account, you become a member of UW Credit Union. Your membership gives you access to better rates and fewer fees than you'll find elsewhere, plus a range of valuable discounts and services like free financial seminars and budget help.

Learn More