Auto/Personal Loans

Holiday Personal Loan

Santa holding money

The holidays are right around the corner, and we all know how easy it can be to overspend this time of year. We want to help with our Holiday Personal Loan! Apply now and spend the smart way this holiday season. Get $2,000 for up to 12 months with a rate as low as 5.99% APR*

*APR=Annual Percentage Rate. This special rate of 5.99% is available for those with a qualifying FICO score of 670 or higher. Other special rates available, ask credit union for details. $2,000 at 5.99% equals a monthly payment of $172.12 based on 30 days to the 1 st payment.

New and Used Auto Loans

Automobiles up to 7 years old can be financed up to 100% of fair market value. Our rates are extremely competitive and our service is fast. Get pre-approved and improve your buying power when shopping for a vehicle. Also available is our exclusive auto buying site to help you find the car that is best for you! Compare new vehicles side by side or search actual used cars in the area that are for sale. All with no pressure, and no annoying ads! Click the banner below:

Personal Loans

This a very basic type of loan that can be used for buying an older vehicle, debt consolidation, small home projects, or vacation. The amount you may be able to borrow will be based on your ability to repay the loan, financial stability, and past payment history.

Credit Life and Accident/Sickness Insurance

Credit Insurance is a great way to protect you and your family against the unexpected. In cases where you are unable to work because of illness, an accident, or other qualified medicals reasons Credit Disability Insurance will cover your loan payments for the time you are out of work. Or in the event you pass away Credit Life Insurance will pay your loan in full.

Simple Eligibility – No physical exam, just a few simple health questions
Affordable – The premium is included in the loan payment
Great Coverage – 14 day retro active period to qualify for disability coverage

Guaranteed Asset Protection (GAP) Protection

A vehicle’s value generally declines faster than the loan or lease balance on the vehicle. And if the vehicle is wrecked or stolen and not recovered, the owner may be in for an unpleasant surprise. The insurance settlement may be several thousand dollars short of paying off the loan balance. GAP coverage pays the deficit! Our GAP Protection is extremely affordable and even pays you back the insurance deductible. Ask a loan officer for more details.

Apply Now using our online application system.

Call us at 203-791-9399 or e-mail us at loans@westernctfcu.com with any questions. We look forward to working with you!