We make our loans convenient for our members with competitive rates and flexible terms. In most cases, once all required documentation is received, a loan decision is made within 24 hours. Required documentation may include recent pay stubs, a W-2, or other proof of income per applicant. Vehicle loans require a bill of sale or buyer’s order. We can also refinance eligible loans from other financial institutions. Apply in person, by fax, by mail, or online. Debt Protection and GAP are available for our consumer loans. These products are optional and do not affect your loan approval. All loans are subject to credit approval.
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Is your dream car, truck, or motorcycle out there? We can help you get it! When buying a new vehicle, it's easy to get caught up in the excitement and forget about getting the most for your money. We can help you stay on track with a loan preapproval. You can walk into the dealership armed with your rate and a payment that fits your budget. For qualified applicants, financing is available up to 100% of the vehicle’s MSRP (sticker price), with terms up to 84 months. Any amount above MSRP must be paid out-of-pocket or financed separately.
For qualified applicants, financing is available up to 100% of the vehicle’s current retail value as determined by J.D. Power. Any amount above the determined retail value must be paid out-of-pocket or financed separately.
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Financing is also available to refinance a vehicle loan you have with another institution. Vehicles must have a clean title. Salvaged or rebuilt titles are not eligible.
Whether you're cruising the open road, off-roading in the woods, or fishing on the lake, we have the loan for whatever moves you. Get your new or used boat, camper, motorhome, and ATV loans with WCTFCU. Financing is available for qualified applicants. Terms and conditions apply.
You can use a personal loan for debt consolidation, a special vacation, and more. Personal loans are unsecured and based on your promise to repay. You can borrow up to $5,000 with your signature and up to $10,000 with the addition of a co-maker’s signature.
A great option for members who need access to funds but prefer not to withdraw their savings. Use your WCTFCU share savings account as collateral while continuing to earn dividends.
Because the loan is secured by funds on deposit, rates are typically lower than unsecured personal loans. The pledged funds must remain on deposit until the loan is paid in full.
A 0% Continuing Education Loan from WCTFCU is ideal for WCPS employees working on their postsecondary educational credits, certifications, and/or degrees*. Loan funds can be used for educational costs such as tuition, fees, and books. The maximum term of six (6) months allows you to put your reimbursement check toward the payoff of the loan. Payments as low as $50 a month ($24 biweekly) are made throughout the term of the loan. Payments are calculated based on the difference between the amount borrowed and your projected reimbursement from WCPS. With proof of tuition and fees, we will loan up to $1,500 per course. Payment for tuition and fees will be made directly to the school and excess will be issued to the member for payment of book expenses.
*Must be a WCTFCU member to take advantage of our Continuing Education Loan. Minimum credit score for eligibility is 600. As monthly payments are based on projected reimbursement check from WCPS, your Continuing Education Loan payoff amount may be more or less than your reimbursement check. Any balance not paid in full by the end of the term will convert to a WCTFCU Personal Loan at the prevailing rate and future Continuing Education Loans may not be approved.
Whether you're an undergraduate, career training, or graduate student these flexible student loans are designed to meet your needs:
Smart Option Student Loan® for undergraduate and career training students
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.
Find out which loan is right for you!
Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank. WCTFCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note - first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
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