Personal Loans

Apply for a Personal Loan

We Offer Smart Choice Personal Loans

Wright-Patt Credit Union® makes personal loans easy by being the smart choice to keep more money in your pocket, where it belongs. As a trusted credit union and lender, no matter the personal loan amount or term, we keep your credit history in mind while working to reach the best possible solution with low personal loan rates and affordable monthly payments that suit your needs.

  • Signature Loans

    With low signature loan rates, easy loan terms and no collateral required, a personal signature loan from Wright-Patt Credit Union is the smart choice to keep more money in your pocket. You can use signature loans for unexpected expenses, home improvement projects or even as a debt consolidation loan. With flexible loan amounts and payments, our credit union is here to help you.

  • QCash Personal Loan

    When life happens, QCash is here for you. If you need a little extra cash to cover unexpected expenses such as emergency car repairs, seasonal expenses or anything in between, with a competitive low personal loan rate, a QCash Loan can help!

  • ReadyLine Line of Credit®

    When expenses hit—expected or unexpected—this revolving line of credit is there when you need it. Live the life that offers what you want with credit you can use whenever you want it.

  • StretchPay® Loan

    Our credit union can help you avoid high interest rates, unreasonable loan terms and fees when you need a little cash between paychecks. This short-term credit advance from our dependable credit union is the smartest choice over higher-rate payday loans and check cashing outlets, no matter your debt or credit history.

Signature Loans

With low signature loan rates, easy loan terms and no collateral required, a personal signature loan from Wright-Patt Credit Union is the smart choice to keep more money in your pocket. You can use signature loans for unexpected expenses, home improvement projects or even as a debt consolidation loan. With flexible loan amounts and payments, our credit union is here to help you.

Overview

Whether you’re consolidating high-interest rate credit cards or buying a new computer, a Wright-Patt Credit Union Signature Loan is the smarter borrower’s choice. Get the money you need from a reliable lender to buy what you need now. That’s how we make it easy for you.

Signature Loan Fast Facts:

  • No annual fee, origination fee or pre-payment penalty on the loan
  • Competitive low, fixed rate
  • Flexible terms so you can choose what payment best fits your budget
  • No collateral required – just your signature

Click here to see how to save time and money making your signature loan payments.

QCash Personal Loan

When life happens, QCash is here for you. If you need a little extra cash to cover unexpected expenses such as emergency car repairs, seasonal expenses or anything in between, with a competitive low personal loan rate, a QCash Loan can help!

Overview

An easier way to get money when you need it – with no credit check required! With a few simple clicks and from the convenience of anywhere, you can get quick access to money when you need it most. This loan option is a smart alternative to high interest loans, which can help you borrow smarter, available only to WPCU members.

QCash Fast Facts:

  • Loan amounts from $200 to $2,000
  • One funded loan allowed in a 14-day period
  • No credit check required
  • Fixed interest rate, up to 24-month term
  • Available 24/7
  • Fast, contactless application, only available through WPCU’s Mobile or Online Banking
  • Immediate funding upon approval
  • Business, custodian, representative payee, trust and other select accounts are not eligible

Click here to learn more about QCash.


ReadyLine Line of Credit®

When expenses hit—expected or unexpected—this revolving line of credit is there when you need it. Live the life that offers what you want with credit you can use whenever you want it.

Overview

With Wright-Patt Credit Union’s ReadyLine line of credit, you can borrow at any time up to your credit limit. Once you’ve paid down your balance, the line is available to borrow again... and again. Using your ReadyLine couldn’t be easier—

  • Write a check. Set up ReadyLine as overdraft protection on your checking account so you just write a check and ReadyLine will cover it.
  • Use WPCU online banking, mobile app or Call-24 to transfer money to your Wright-Patt Credit Union savings or checking account at any time, day or night.
  • Visit a Member Center or call the Member Help Center to draw from your ReadyLine.

ReadyLine Fast Facts:

  • Credit limits from $250 to $50,000
  • Zero fees so you keep more money in your pocket
  • Minimum payment of just 3.00% of your outstanding balance or $20, whichever is greater (NOTE: If your balance is less than $20, the payment will be equal to the balance).
  • Paying interest only on the amount you’ve borrowed is the smart way to manage your finances

StretchPay® Loan

Our credit union can help you avoid high interest rates, unreasonable loan terms and fees when you need a little cash between paychecks. This short-term credit advance from our dependable credit union is the smartest choice over higher-rate payday loans and check cashing outlets, no matter your debt or credit history.

Overview

We all try to live within our means but sometimes life throws us a curveball. If you find yourself short with a few bills still to pay, a StretchPay® personal loan is the Wright-Patt Credit Union way to keep yourself covered and in good financial standing.

Don’t pay the unbelievably higher interest rates and fees that commercial payday lenders charge. This is a fair deal.

StretchPay® Fast Facts:

  • You pay a rate much lower than with other payday lenders
  • Minimal once-a-year fee to enroll in the program from as low as $25 to $70 depending on the credit advance amount you want
  • Borrow and repay the loan over and over and only pay the low finance charge

Take a look at the big difference StretchPay® can make to your wallet!

Personal Loan

QCash

ReadyLine®

StretchPay® Loan
Term Loan

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Line of Credit

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Fixed APR

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No Fees

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No Credit Check Required

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Personal Loan

Term Loan

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Line of Credit

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QCash

Term Loan

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Line of Credit

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Fixed APR

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ReadyLine®

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Line of Credit

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StretchPay® Loan

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Line of Credit

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Fixed APR

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No Credit Check Required

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Description APR

Description

Signature Loan - Up to 60 Months

APR

11.99% - 18.00%

Description

QCash - Up to 24 Months

APR

17.00%

Description

ReadyLine Line of Credit

APR

10.25% - 18.25%

Description

StretchPay Loan

APR

25.00%

  • The maximum amount available for a personal unsecured loan is $50,000. The minimum amount is $500. The amount approved will vary based on the individual borrower. This does not apply to QCash Loans. See specific details for QCash Loans.

  • No. You can use a personal loan for any financial need, including home improvements, vacation, school or to consolidate your high interest rate credit cards.

  • Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a WPCU personal loan. The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged.

    To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.

  • The minimum payment on your ReadyLine Line of Credit is 3% of your outstanding balance, or $20, whichever is greater.

  • Accessing your ReadyLine is easy. Simply write a check (ReadyLine must be set up as overdraft protection on your checking account), use Call-24™, WPCU Online Banking or mobile app to transfer money from ReadyLine to your WPCU savings or checking account, or visit a Member Center or call the Member Help Center to draw from your ReadyLine.

  • Once you've hit your credit limit, simply pay it down to free up some funds on your credit line.

  • To qualify, you have to be a member of Wright-Patt Credit Union for at least 120 days, be able to show proof of income, have no delinquent accounts at WPCU and not be in the process of filing for bankruptcy. We will also do a minimal credit review of your history with payday lenders.

    StretchPay® is a registered trademark of the Ohio Credit Union League.

VIEW all FAQS

  • No. You pay a fee once a year to be enrolled in the StretchPay® program - $25 for a $150 loan limit, $35 for $250 or $70 for $500. After that, you can borrow and repay the loan over and over and pay only the 25% APR finance charge.

    StretchPay® is a registered trademark of the Ohio Credit Union League.

  • All StretchPay® loans are payable in two monthly installments over 60 days.

    StretchPay® is a registered trademark of the Ohio Credit Union League.

  • The maximum amount available for a QCash Loan is $2,000. The minimum amount is $200. The amount approved will vary based on the individual borrower's eligibility.

  • No, there are no application or processing fees for the QCash Loan. There is a late fee of 5% of the monthly payment if payment is past due.

  • No. All applications are done through WPCU mobile and online banking. The loans cannot be originated through the Member Center, Member Help Center, or other traditional lending channels.

  • No. Members can have one outstanding QCash Loan at a time.

  • No. If you wish to purchase credit life/disability insurance, you will need to apply for a traditional signature loan instead of a QCash Loan.

  • Financial Learning Center

    There is a wealth of free financial learning seminars, webinars, online resources and more at the WPCU Financial Learning Center.

  • Mobile Banking

    Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.

  • Helpful Videos

    View our short, helpful videos that cover a host of Wright-Patt Credit Union's products and services to help you learn more.