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Whether life’s surprises have left you with big bills and questions on how you can afford it, or you’ve got big plans and need financing, Westar Federal Credit Union’s  Personal Loans can help. 

Is a Personal Loan Right for You? Get Answers to Your Questions

What is a Personal Loan Used for?

Personal loans can be used for any major expenses. Personal loans are commonly used for:

  • Medical bills
  • Home improvement projects
  • Home renovations
  • Weddings
  • Debt consolidation at a lower interest rate
  • Vacations
  • and more
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If You're Looking for Unsecured Personal Loans, You've Come to the Right Place

Westar FCU’s personal loans are unsecured personal loans. This means that the collateral of the loan isn’t tied to something tangible. For example, with auto loans, the loan is secured by the vehicle. With Westar FCU’s unsecured personal loans, you don’t have to worry about repossession. 

Unsecured Personal Loan Rates

Rates are effective 11/18/2022 and are subject to change without notice. Membership restrictions apply.

Personal Unsecured

Term *APR as low as *Approximate payment per $1000 financed    
Up to 36 months 7.99%  $31.34    
37 – 48 months 8.24%  $24.53    
49 – 60 months 8.49%  $20.52    

*APR Annual Percentage Rate. Disclaimer: Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value.

In Addition to Unsecured Personal Loans, We Also Offer Share Secured Loans

If you’re looking for secured personal loans instead, Westar FCU offers share secured loans. This type of personal loan is secured by shares and share certificates on your credit union deposits.

Personal Loan Options: Benefits of Share Secured Loans

If you’re looking for secured personal loans instead, Westar FCU offers share secured loans. This type of personal loan is secured by shares and share certificates on your credit union deposits.

Share secured loans are a great way to build credit. If you don’t have an extensive credit history and need to build up your credit to make your plans possible, or you’re looking to improve your credit, share secured loans are a great option.

The maximum loan amount for a share secured loan is based on deposits. This provides the peace of mind that comes with responsible lending, safeguarding you from getting in over your head in debt.

Westar FCU share secured loans are available with competitive rates and flexible terms that work for you and your budget.

 

Share Secured Loan Rates

Rates are effective 11/18/2022 and are subject to change without notice. Membership restrictions apply.


Share Secured Loan

*Share Rate + 1.50% **APR (minimum as low as 2.00% **APR) **Approximate payment per $1000 financed

**APR: Annual Percentage Rate. Rates are determined by credit worthiness. Approximate payment per $1000 financed is based on minimum rate for 36 months.

*The share rate is dependent on what type of share account you are securing the loan with. The share will be pledged for the same amount and term of the loan. The pledged amount will be reduced as payments are applied on the loan.


Disclaimer: Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value.

If You Need Home Improvement Loans, Our Personal Loans Are the Answer

Whether your home has an eyesore that’s long overdue for fixing or you’ve got a home renovation project in mind, Westar FCU’s personal loans are just what you need if you’re searching for home improvement loans.

Westar FCU’s personal loans can provide the financing you need for your home improvement project. We make your project affordable with monthly payments that work for your budget and flexible repayment terms.

Need Debt Consolidation Loans? Personal Loans Make Life More Manageable

At Westar FCU, we get it. We understand how life can make debt pile up before you know it. Rather than having to micromanage multiple payment due dates and trying to prioritize certain bills over others, personal loans can simplify debt. Westar FCU personal loans can be used as debt consolidation loans. Consolidate your debt in to simple, centralized monthly payments.

With a Westar FCU personal loan, gone are the days of having to keep track of multiple payment dates to various providers. 
Your affordable monthly payment for your Westar FCU personal loan means there’s a lot less for you to deal with. 
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Your Local Go-To For Personal Loans

Your neighbors at Westar FCU are here for you. Anyone can become a credit union member and apply for a Westar FCU personal loan if they live, work, worship or go to school in any of the following areas:

  • Camillus NY
  • Baldwinsville NY
  • Elbridge NY
  • Geddes NY
  • Jordan NY
  • Marcellus NY
  • Memphis NY
  • Onondaga NY
  • Solvay NY
  • Van Buren NY
  • Warners NY

Affordable Rates and Flexible Terms on Personal Loans

Whether you’ve got big plans or you’re dealing with a lot right now, Westar FCU personal loans can help.

Westar FCU offers great personal loan rates. This means monthly payments that work for your budget. Westar FCU’s flexible repayment terms help you stress less about debt. 

Disclaimer: Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value. Rates are subject to change without notice. All loans are subject to approval. Membership restrictions apply.

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