Green cattle pasture with barbed wire fence and fall tree in the background.

Personal Loans

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

Apply Check Application Status
Loans
Auto Loans
Personal Loans
Recreational Vehicle Loans
Mortgages
Home Equity Loans
Student Loans

Today's Rates

As low as
View Rates
Personal Loan
10.990
%
APR*

Up to 60 months

Debt Consolidation
11.490
%
 APR

Up to 84 months

Prestige Line of Credit
8.900
%
 APR

Personal Loan Types

We offer affordable personal loans to lower debt, plan a vacation, and get cash for the unexpected.

Personal

Digital icon outline of a person figure on a blue grid background.

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
Apply

Consolidation

White certificate icon with a dollar sign and ribbon on a blue background featuring subtle topographic map lines.

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
Apply

Secured

A white digital icon of a safe with lock in the center on a blue background.

Savings Secured Loan**

A fresh start to building credit.

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

Personal Lines of Credit

The instant cash backup and fee relief for your account. 

Overdraft

Stack of cash icon with three lines beneath on a blue grid background.

Overdraft Line of Credit

Safeguards your account and allows fast cash access.

  • Loan amount: $500
  • Minimum payment: $20 monthly
Apply

Qwik Chek 

Rotating arrow icon that goes around money symbol on a blue background.

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

White diamond digital icon that is shining on a blue background.

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

  • *All rates listed are the Annual Percentage Rate (APR).
  • **Based on maximum term.
  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current 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 2.000% above Wildfire Credit Union's weighted average cost of funds. The minimum rate is 3.000%. Rates adjust annually in the anniversary month of the loan.
Personal Loan Approximate Term APR (As low as) Payment per $1,000 borrowed**
Personal Loan1 Up to 60 Months 10.990% $21.75/mo
Debt Consolidation1 Up to 84 Months 11.490% $17.39/mo
Share Secured(2)(‡) 4.300%

Personal Lines of Credit

Effective Date: - 12:00 A.M. EST

  • *All rates listed are the Annual Percentage Rate (APR).
  • Loans are based on credit approval.
  • Rates are subject to change without notice. Call the credit union for current rate.
  • 1 There are no transaction, membership, activity, or participation fees.
Loan Type APR
Overdraft Line of Credit1 15.000%
Qwik Check Line of Credit1 12.600%
Prestige Line of Credit1 8.900%

Loan Protection Options

Teal shield digital icon with person avatar in circle in the middle.

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.