Personal Loan

Personal & Share–Secured Loans

cover whatever expenses
come your way
Apply now

APPLY FOR A LOAN

Please choose one of the following options:

Reach us by phone

Phone Branch Hours

Monday - Friday: 8:00am to 6:00pm Saturday: 9:00am to 2:00pm

Email

For further assistance, please email us. Do not include account information.

Loans for Today’s Needs

For those who are ready to say “I Do” or want to say “Let’s Go” or have to say “We’ll Fix It.” You can have your dream wedding, take your much needed vacation and fix the repair that’s been lingering in the back of your mind with the help of a Life Loan from Wheelhouse. Let us cover the cost – big or small.

Flexible Terms
Low Minimum Loan Amount
No Prepayment Penalties
Easy Online Payments
Rate Discount With Ancillary Product Purchase
Low Rates

SHARE-SECURED LOAN

Need a low-rate loan but want to continue earning dividends on your Savings Account or Certificate? Then a Share-Secured or Certificate-Secured Loan may be a great option for you! You can use the cash in your Certificate to get a low-rate loan while leaving it with Wheelhouse to earn dividends.

Certificate-Secured and Share-Secured Loans have no pre-payment penalty, a fixed-monthly payment and a low minimum loan amount. See more details in the rates table below.

Apply Today
happy couple taking selfie
  • Best if you want:

    Best if you want:

  • Loan amount

    Loan amount

  • Details

    Details

Life Loan

  • Best if you want:

    A multi-purpose personal loan with low interest and flexible terms.

  • Loan amount

    up to $25,000

  • Details

    Provides back-up cash for whatever life throws at you—from car repairs to braces.

Bill Consolidation Loan

  • Best if you want:

    To consolidate multiple bills into one monthly payment.

  • Loan amount

    up to $20,000

  • Details

    A convenient way to consolidate your high-interest credit cards or other unsecured debt.

Savings Secured Loan

  • Best if you want:

    A low interest loan, secured by your savings or certificate account.

  • Loan amount

    Minimum of $100

  • Details

    Enjoy a low interest rate, just 3% higher than the dividends earned on your savings or certificate account.

Personal Loans

Loan Type

Terms

Loan Amount

With Ancillary Product Purchase APR*1
As low as

Estimated monthly payment per $1,000

Rates effective October 3, 2022

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1 Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product.

2 No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account.

See Product Details

Loan Type

Life Loan

Terms

Up to 60 months

Loan Amount

$500 - $25,000

With Ancillary Product Purchase APR*1
As low as

8.99%

Estimated monthly payment per $1,000

$20.75

Loan Type

Bill Consolidation Loan

Terms

Up to 60 months

Loan Amount

$500 - $20,000

With Ancillary Product Purchase APR*1
As low as

15.74%

Estimated monthly payment per $1,000

$24.18

Loan Type

Loan Type

Terms

Terms

Loan Amount

Min. Loan Amount

With Ancillary Product Purchase APR*1
As low as

APR*

Estimated monthly payment per $1,000

Loan Type

Share Secured2

Terms

Up to 120 months

Loan Amount

$100

With Ancillary Product Purchase APR*1
As low as

Savings rate + 3% APR*

Estimated monthly payment per $1,000

Loan Type

Certificate Secured2

Terms

60 months or up to certificate term

Loan Amount

$500

With Ancillary Product Purchase APR*1
As low as

Certificate rate + 3% APR*

Estimated monthly payment per $1,000

Line of Credit

Loan Type

Maximum Loan Amount

APR*
As low as

Rates effective October 3, 2022

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply.

3 Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.

Loan Type

1010 Police Department Loan

Maximum Loan Amount

$2,500

APR*
As low as

9.11%

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*
As low as

13.49%3

Power Your Passion

A Life Loan from Wheelhouse can help you purchase the e-bike you’ve been dreaming of. Your e-bike will supercharge each pedal, allowing you to go further, faster. Plus, with San Diego’s beautiful year-round weather, you’re sure to get the most out of your purchase.

Apply for a Life Loan
Mature couple on bikes

Personal Loan Calculators

Protect Your Loan with Payment Protection

Enroll in Wheelhouse Payment Protection to get relief from the financial burden of delinquency, default, or foreclosure if death, disability or involuntary unemployment should unexpectedly happen to you. Debt Protection will cancel or waive your loan payments, relieving you and your family’s worries about paying loans during a time of reduced income. To enroll, call us at 619-297-4835.

Make Your Loan Payments Online

We make it super easy for you to pay your personal loan online. Say goodbye to paper statements and envelopes, and say hello to online convenience.

Make a loan payment
Stop by one of our branches
Begin your application
Call us today
Up Arrow Back to Top

Disclosures

All loans are subject to credit approval. Other restrictions and conditions may apply. Rates and terms are subject to change without notice. Rate discounts may apply.

You are leaving Wheelhouse Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse Credit Union’s. Please review their privacy policy. Wheelhouse Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

Cancel Accept