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Personal Loan Rates

Determining Your Annual Percentage Rate (APR)

Our staff will always work with you to get you the best possible personal loan rate for your individual situation. Not sure where you stand with your credit report? We’ll review your credit report with you, and recommend steps to improve or maintain your credit score. Interest rates on loans are determined by a number of factors. We pay close attention to these when acquiring your personal loan rate.

  • Credit rating
  • Payment history
  • Collateral age (when appropriate)
  • Loan term

Get the Best Rate!

For your next purchase or refinance, WESTconsin Credit Union offers discounts on our already low personal loan rates including:

Resource: Credit Scores—Understanding your FICO® Score

Auto Loans

Account Term APR as low as Monthly payment per $1,000 borrowed
Secured Vehicles | 2016 and newer
Up to 24 Months 2.49% $42.76
Up to 36 Months 2.74% $28.97
Up to 48 Months 2.99% $22.14
Up to 60 Months 3.24% $18.08
Up to 72 Months 3.74% $15.53
Up to 84 Months* 4.49% $13.90
Secured Vehicles | 2012-2015
Up to 24 Months 3.49% $43.21
Up to 36 Months 3.74% $29.42
Up to 48 Months 3.99% $22.58
Up to 60 Months 4.24% $18.53
Up to 72 Months* 4.74% $15.99
Secured Vehicles | 2011 and older
Up to 24 Months 5.24% $43.98
Up to 36 Months 5.49% $30.20
Up to 48 Months 5.74% $23.37
Up to 60 Months 5.99% $19.33

Unsecured Personal Loans

Account Term APR as low as Monthly payment per $1,000 borrowed
Up to 48 months 10.00% $25.37
Up to 60 months 11.50% $22.00

Kwik Cash

Account Term APR as low as Monthly payment per $1,000 borrowed
Ready Reserve Transfers to Checking: $2 each, $1 each for Silver, No Charge for Gold MVP 11.50% $20 or $4 per $100 borrowed, whichever is greater

The above rates are subject to change at any time without notice. Other rates and terms are also available. Rates subject to credit approval. Down payment requirements may apply. The credit union may impose document or other fees, including but not limited to any minimum, fixed, transaction, activity or similar charge. *Term is subject to creditworthiness. Lowest Secured and Unsecured rates above assume A+ credit score and Gold MVP level.

Platinum Visa Credit Cards

Account Term APR as low as Monthly payment per $1,000 borrowed
No Maximum 9.00% 3% of new balance of charges or $10, whichever is greater.

APR=Annual Percentage Rate. APR may change after account opening. Credit card subject to credit approval. No fee for cash advance; foreign transaction fee 1% of each transaction in the U.S. dollar. No annual fee. Membership required and upon qualification. Refer to our disclosures and service fees for more information.

WESTconsin Credit Union Notification:

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