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University of Wisconsin Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 11 Aug 2023
Fact checked

University of Wisconsin Credit Union logo

University of Wisconsin Credit Union was founded in 1931. Its headquarters is based in Madison, Wisconsin. University of Wisconsin Credit Union has an accumulated assets of over $4.8 billion, and a membership of around 300,000. Their offerings and services include savings, checking, CDs, loan products, mortgage, and refinancing.

Personal loans can be a useful way to obtain extra money when you need it. For example, if you run into an emergency, you might not have the funds available to meet your needs. It is important, though, to be informed of how much you have to pay, monthly and overall. So, before you settle on a University of Wisconsin Credit Union personal loan, determine how much your EMIs (equated monthly installments) will look like. Let the University of Wisconsin personal loans calculator do the work for you.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

A quick guide to personal loans from University of Wisconsin Credit Union

Before taking out a loan from University of Wisconsin Credit Union, find out about its features and benefits. This will help you compare it with those from other lenders. The list below will show if they correspond to what you’re looking for in a personal loan:

  • Loan amounts: minimum $500; maximum $40,000
  • Loan terms: between 36 to 72 months
  • Loan fees: $0 origination fee; $0 prepayment penalty; $0 annual fee
  • Interest rates: starting at 12.73% APR

 

Requirements for an University of Wisconsin Credit Union personal loan

A University of Wisconsin Credit Union personal loan is only available to current members and employees. If you are not yet a member, there are different ways to join. Membership is available to anyone who:

  • Lives, works, worships, or attends school in University of Wisconsin Credit Union recognized counties
  • Is a family member of a University of Wisconsin Credit Union member
  • Is a current or former employee of University of Wisconsin Credit Union recognized establishments, businesses, or institutions

 
There is no available information on borrower criteria for a Bank Name personal loan. Typically, most lenders have a general expectation among potential loan applicants. These are the following:

  • You are at least 18 years old (provide a copy of your government-issued IDs such as certificate of citizenship, driver’s license, passport, or military ID)
  • You are a US resident (provide a copy of a recent utility bill, lease or rental agreement, or mortgage statement)
  • You have a good credit history – minimum of 600 is acceptable although 700 or higher is ideal.
  • You have a debt-to-income ratio of less than 40%.
  • You have a valid and active bank account.
  • You have proof of steady employment – provide a copy of paystubs, W-2s and 1099s, or an employer statement.
  • If you have a business or a self-employed individual, provide income verification such as tax returns, bank statements, annuity statements.

 

University of Wisconsin Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

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University of Wisconsin Credit Union

University of Wisconsin Credit Union personal loans

University of Wisconsin Credit Union personal loans
Estimated Month Repayments
$597 Inclusive of fees
Interest Rate
4.73%
APR
Repayment Period
36 months
to 72 months
Loan Amounts
$500
to $40,000
Go to site
Get fast access to cash with easy, affordable, flexible financing. Our low-rate personal loans can help you consolidate debt, cover a big purchase, pay for unexpected expenses and more.
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Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
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Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
ECU offers extraordinary products & services that make life just a little easier.

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

 

Pros and cons of UWCU personal loans

Pros

  • No prepayment penalties
  • No annual fees
  • No origination fees
  • Optional Payment Protection Plan

 

Cons

  • Non-members cannot apply
  • High base interest rate
  • Credit/income requirements not listed
  • No deferred payment option

Frequently asked questions

How much can I borrow from UWCU?

You can borrow between $500 and $40,000 from UWCU.

How long should I repay a personal loan from UWCU?

UWCU offers personal loan terms between 36 and 72 months (from 3 to 6 years).

How much does UWCU charge for its personal loans?

The personal loan rates from UWCU start at 12.73% APR.

Does UWCU provide a debt protection plan?

Yes. UWCU offers a loan payment protection insurance that can cover debt payments on personal loans if the insured loses their ability to pay due to a covered event.

I don’t have perfect credit, can I still apply for a UWCU personal loan?

Yes, personal loans from UWCU are available even if your credit isn’t looking great. However, you should work to improve it so you can get the best deal that will help you achieve your financial goals.

What number do I need to call to ask about personal loans from UWCU?

You can call 608.232.5000 to find out more about UWCU personal loans.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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