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Washington State Employees Credit Union Personal Loans Calculator & Overview

Updated 11 Aug 2023

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Washington State Employees Credit Union was founded in 1957 and is the second largest credit union in Washington. WSECU has 22 branches and holds over $3.74 billion in assets. They provide personalized services including higher interest rates on savings and lower rates on personal loans, new and used auto loans, and HELOCs.

Personal loans can be beneficial if used correctly. Always double-check the amount of your monthly installments to avoid any financial troubles along the way. Interested in a Washington State Employees Credit Union personal loan? Use the Washington Employees Credit Union personal loans calculator to help you figure out your monthly repayments.

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.

An Overview of WSECU personal loans

It is important to know about the features and benefits of a personal loan from Washington State Employees Credit Union. Read on to find out if any of the items below correspond to what you’re looking for in a personal loan:

Loan amounts: maximum $50,000
Loan terms: 48 months, 60 months, 84 months
Interest rates: APR from 9.00% to 16.00%

Requirements for a Washington State Employees Credit Union personal loan

You must be a member of Washington State Employees Credit Union to be eligible for a personal loan. Here are the criteria you must meet to become a member of Washington State Employees Credit Union:

You live, work, worship, or attend school in Washington State Employees Credit Union recognized counties
You are a family member of a Washington State Employees Credit Union member
You are a current or former employee of Washington State Employees Credit Union recognized establishments, businesses, or institutions

To apply for a personal loan at Washington State Employees Credit Union, make sure you have these documents ready:

Loan information (if refinancing a loan from another institution)
Date of Birth
Address
SSN or ITIN
Monthly rent or mortgage payment
Employment information and income
Additional expenses; e.g., monthly child support, child card, alimony, etc.

Washington State Employees Credit Union personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

Washington State Employees Credit Union personal loans

Estimated Month Repayments

$629 Inclusive of fees

Interest Rate

8.25%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$1,000
to $50,000

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If you need a loan or line of credit for your personal needs

Featured

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

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Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

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

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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 WSECU personal loans

Pros

Borrower criteria and requirements are clearly identified
APR lower than those from other lenders
Payment protection available
Skip-a-Pay option available
Apply online anytime

Cons

Exclusive to members only
Minimum loan amount not listed
No option to repay the loan for a shorter period of time

Frequently asked questions

What are the minimum and maximum loan amounts for a WSECU personal loan?

Washington State Employees Credit Union offers personal loans up to $50,000. There is no clear information regarding the lowest possible amount you can borrow.

What are the repayment terms for a WSECU personal loan?

The repayment terms of WSECU personal loan are between 48 and 84 months.

What interest rates does WSECU personal loan offer?

Interest rates for a personal loan from WSECU can range between 9.00% and 16.00%.

Does WSECU provide a debt protection plan?

Yes. WSECU has a debt protection plan to help lessen your worries about paying loans when your income is reduced or lost.

Can I skip a loan payment?

Yes. As a WSECU member, you qualify to skip a loan payment as long as you are in good credit standing.

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

You can call 800.562.0999 to find out more about WSECU personal loans.