Personal Loans for Life's Everyday Moments
Whether you’re upgrading your home, consolidating monthly payments, or preparing for a major life event, Wheelhouse has a personal loan to help you move forward.
Find the loan that works for you.
Share or Certificate Secured Loans are backed by funds already on deposit. An unsecured personal loan requires no collateral and is approved based on factors such as income and creditworthiness.
Life Loan
Access funds quickly when unexpected expenses arise, from medical bills and car repairs to consolidating high interest debt, or any other needs that arise.
- Fast access to funds - often same day
- No collateral required
- Smaller loan amounts available
- Simple, streamlined application
Certificate Secured Loan
Borrow against your Certificate instead of withdrawing funds early and potentially paying penalties. The Certificate remains intact and continues earning dividends while serving as collateral.
- Often feature lower rates
- $500 minimum loan amount
- 60 months or up to Certificate term
- Certificate rate + 3% APR*
Share Secured Loan
Use your savings as collateral to access funds at a lower rate while your deposited funds remain safely in your account.
- Lower interest rate - secured by your savings
- $100 minimum loan amount
- Up to 120 months
- Savings rate + 3% APR*
Compare Loan Options
See how our personal loan products stack up so you can choose the right fit with confidence.
Life Loan
Savings Secured Loan
Best if you want:
A multi-purpose personal loan with low interest and flexible terms.
Best if you want:
A low interest loan, secured by your savings or certificate account.
Loan Amount
up to $25,000
Loan Amount
Minimum of $100
Details
Provides back-up cash for whatever life throws at you—from car repairs to braces or consolidate high-interest credit cards and other debts.
Details
Enjoy a low interest rate, just 3% higher than the dividends earned on your savings or certificate account.
| Loan Type | Terms | Loan Amount | With Ancillary Product Purchase & Inspired Checking APR*1 As low as | Estimated monthly payment per $1,000 |
|---|---|---|---|---|
| Life Loan1 | Up to 60 months | $500 - $25,000 | 12.49% | $22.49 |
| Share Secured 2 | Up to 120 months | $100 | Savings rate + 3% APR* | |
| Certificate Secured2 | 60 months or up to certificate term | $500 | Certificate rate + 3% APR* |
Rates effective August 1, 2026
* 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 0.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan. Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
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.
Why Members Choose Wheelhouse Personal Loans
Enjoy low rates and zero hidden fees.
Flexible Terms
Repayment schedules that fit your budget and time horizon.
Low Minimum Loan Amount
You don’t have to borrow more than you need. Starting at $100, we offer smaller loan amounts that many banks won’t touch.
No Prepayment Penalities
Take control of your payoff timeline with the flexibility to pay off your loan early and potentially save on interest.
Fast Decisions
Our local lending team reviews
applications quickly – often with a decision the same day you apply.
Online Payments
Manage and pay your loan anytime from our online banking portal or mobile app.
Rate Discount Options
Pair with Inspired Checking and receive discounted rates.
Personal Loan Calculators
Debt Consolidation
Meet A Debt Payoff Goal
Calculate A Loan Payment
Frequently Asked Questions
Like San Diego, banking is better when it’s easygoing.
Loan approval and funding times vary, but many personal loans can be approved quickly. Once approved, funds are typically deposited into your account as soon as possible so you can access them when needed.
No. You can pay off your personal loan early without a prepayment penalty. Paying ahead of schedule may help reduce the total interest paid over the life of the loan.
Ready to apply?
Multiple ways to connect with us, whenever you need support.
Call Us
Speak with a member service representative
619-297-4835Mon-Fri: 8am-5pm
Sat: 9am-2pm
Contact Us
Reach out and a team member will follow up
Visit a Branch
Stop by one of our 4 San Diego locations
Disclosures
*APR = Annual Percentage Rate. Rates effective as of 08/01/2026 and are subject to change without notice. Rates are based on creditworthiness. All loans subject to credit and collateral approval. Membership required.
10.25% loan rate discount is only available on new eligible loans and require setting up automatic loan payments from an Inspired or Inspired Plus Checking account. One discount per qualifying loan.
Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. Inspired Plus checking is subject to the same requirements as Inspired checking, plus a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic or Basic Plus Checking account, which may be subject to different terms and conditions and the auto pay discount will be removed. Access to Perks by Wheelhouse® will also be removed when applicable. Contact a Team Member for further information.
2No 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.