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.
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.
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Best if you want:
Best if you want:
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Loan amount
Loan amount
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Details
Details
Life Loan
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Best if you want:
A multi-purpose personal loan with low interest and flexible terms.
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Loan amount
up to $25,000
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Details
Provides back-up cash for whatever life throws at you—from car repairs to braces.
Bill Consolidation Loan
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Best if you want:
To consolidate multiple bills into one monthly payment.
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Loan amount
up to $20,000
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Details
A convenient way to consolidate your high-interest credit cards or other unsecured debt.
Savings Secured Loan
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Best if you want:
A low interest loan, secured by your savings or certificate account.
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Loan amount
Minimum of $100
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Details
Enjoy a low interest rate, just 3% higher than the dividends earned on your savings or certificate account.
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Loan Type |
Terms |
Loan Amount |
With Ancillary Product Purchase |
Estimated monthly payment per $1,000 |
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Rates effective August 01, 2024 * 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. Inspired Checking Loan Discount – Take 0.25% APR off the standard rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan). Inspired Checking is a variable rate account. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. 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 |
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Loan Type Life Loan |
Terms Up to 60 months |
Loan Amount $500 - $25,000 |
With Ancillary Product Purchase 12.49% |
Estimated monthly payment per $1,000 $22.49 |
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Loan Type Bill Consolidation Loan |
Terms Up to 60 months |
Loan Amount $500 - $20,000 |
With Ancillary Product Purchase 15.99% |
Estimated monthly payment per $1,000 $24.31 |
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Loan Type |
Terms |
Loan Amount |
With Ancillary Product Purchase |
Estimated monthly payment per $1,000 |
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Loan Type Loan Type |
Terms Terms |
Loan Amount Min. Loan Amount |
With Ancillary Product Purchase APR* |
Estimated monthly payment per $1,000 |
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Loan Type Share Secured2 |
Terms Up to 120 months |
Loan Amount $100 |
With Ancillary Product Purchase Savings rate + 3% APR* |
Estimated monthly payment per $1,000 |
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Loan Type Certificate Secured2 |
Terms 60 months or up to certificate term |
Loan Amount $500 |
With Ancillary Product Purchase Certificate rate + 3% APR* |
Estimated monthly payment per $1,000 |
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Loan Type |
Maximum Loan Amount |
APR* |
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Rates effective August 01, 2024 * 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. |
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Loan Type 1010 Police Department Loan |
Maximum Loan Amount $2,500 |
APR* 9.11% |
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Loan Type Money on Request |
Maximum Loan Amount $15,000 |
APR* 14.49%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
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.
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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.