Personal Loans

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Financial Solutions With You in Mind

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Loans & Lines of Credit

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Secured Loan

  • Use Collateral Or An Asset To Qualify For A Larger Loan Amount
  • Rates As Low As 7.25% Interest / 7.25% APR¹
  • 48 Month – 180 Month Term
Apply for a Secured Loan
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Signature Loan

  • No Minimum Loan Amount
  • Rates As Low As 9.25% Interest / 9.25% APR¹
  • 18 Month – 48 Month Terms
  • No Collateral Needed
Apply for a Signature Loan
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Deposit Secured Loan

  • Borrow Against Your Savings Account Or Certificate
  • Secured, One-Time Loan
  • No Credit Check Required
Apply For A Deposit Secure Loan
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Fastcash Loan

  • Up To $1,000 Short-Term Loan
  • No Credit Check Required
  • Simple Application Process Available Under “Additional Services” on Online Banking
  • Online Banking Or “More” Menu On Mobile Banking
Show me How to Apply
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SecurePal Line of Credit

  • Establish or Rebuild Credit
  • Line of Credit Secured by Your Savings
  • As low as 5% Interest / 5% APR¹
  • No Credit Check Required
Apply at a Location Near Me
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NuPal Line of Credit

  • Pre-Approved Line of Credit Used as Overdraft Protection Or as a Personal Line of Credit
  • Rates as low as 16.75% Interest / 16.75% APR¹
  • $4,000 Max Loan Amount
Apply for a NuPal
“I’m so grateful to WeStreet for helping us use a personal loan to get in-vitro fertilization and making our dreams come true.”

– Olga Busby

Personalize Your Loans

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Manage Your Personal Loan Anywhere

Through WeStreet’s online and mobile banking platform, you can can easily personalize your loan.

Great Rates + Flexible Terms

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Flexibility When You Need It the Most

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A car wreck, job change, or home repair can make your budget tight. With Skip-A-PaySP, you can defer up to two months of qualified loan payments in a rolling 12-month period. Use it to cover unexpected expenses or whatever you need. No questions asked.

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Overdraft Protection

NuPal is a pre-approved line of credit that can be used as overdraft protection on your account or as a personal line of credit. If you qualify for this optional service, you may save money on the total fees you’d pay for overdraft services.

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Personal loans can be used for almost anything you need to pay for like home repairs, medical expenses, or to consolidate debt .
Apply For A Personal Loan Now

Frequently Asked Questions

What is a personal loan?

Personal loans allow a person to borrow a lump sum of money to pay for personal expenses. The borrower slowly repays the borrowed amount plus interest in a series of monthly payments until they have paid off the entire sum. There are different types of personal loans, including secured, unsecured, and more.

What is a secured personal loan?

A secured personal loan is a loan that is backed with a financial or physical asset like your car, home, or savings account. This asset is used as collateral for the money you borrow with the personal loan. On the other hand, an unsecured personal loan is a loan that is not backed with collateral but given solely based on your credit history, score, and other qualifiers determined by your lender.

What can I use a personal loan for?

Personal loans can be used for funding a wedding or an adoption or helping with unexpected medical bills or educational expenses. They can also be used for debt consolidation, home improvement, auto expenses, and more.

Am I eligible for a personal loan?

Contacting a lender will help you determine if you qualify for a personal loan. Generally, lenders will look for an acceptable credit score, proof of income and employment, and other identification to determine if you qualify.

Learn more about personal loans and other financial topics in our Education Center

Education Center

1Rate and term based on creditworthiness, amount financed and collateral. All programs, rates, terms and conditions are subject to change, at any time, without notice. WeStreet Federal Credit Union eligibility and membership required. Payment example is an estimate. Your actual payment may differ based on your qualifying rate and loan terms. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.

SPWeStreet Federal Credit Union (“We” or “Us”) reserves the right to revoke this offer if your account or loan is not in good standing. Additionally, we reserve the right to refuse, cancel, change or terminate this offer at any time without notice. This offer applies to qualified loans on accounts in good standing. A qualified loan includes but is not limited to loans that have been open and active for at least six months, have had no missed payments in the last six months, have a balance greater than $1,000.00, are in good standing and have not utilized the Skip-A-Pay program more than twice in the last twelve months.  Skip-A-Pay is not offered on mortgages or open-end credit including credit cards and NuPals. “You” or “your” means any borrower signed on the loan. You understand that interest will continue to accrue on your outstanding balance during this time and the term of your loan may be extended. An extension of loan terms may not extend Guaranteed Auto Protection (“GAP”), accident, life, disability or other insurance or warranty coverage. Such policies may be nullified by taking advantage of this offer. Please refer to your policy or contract for information. By signing the Skip-A-Pay you acknowledge and agree to have the set-up and the processing fee of $35 per Skip-A-Pay per loan returned to the Credit Union at least one week prior to your loan payment date. If a Skip-A-Pay is received after the cutoff time of one week prior to your loan payment it may not be processed, and your normal payment may be due including any late fees. PLEASE NOTE: IF YOUR LOAN IS SET UP ON AN AUTOMATIC PAYMENT TRANSFER YOU ARE RESPONSIBLE FOR ENSURING THE TRANSFER IS TEMPORARY SUSPENDED FOR THE DURATION OF THE SKIP A PAYMENT. If your loan payment is set up to be automatically transferred from another financial institution, the transfer will still be processed, and the funds placed in your share savings account instead of making your loan payment. If your loan payment is transferred from a share within this financial institution, depending on how the transfer was initially setup, it may or may not be automatically suspended for the applicable skipped payment. For questions or assistance, please call our Member C.A.R.E. Call Center at 918.610.0200. WeStreet Federal Credit Union (“We” or “Us”) reserves the right to revoke this offer if your account or loan is not in good standing. Additionally, we reserve the right to refuse, cancel, change or terminate this offer at any time without notice. If you have any questions, please call our Member CARE Call Center at 918.610.0200.