Last Updated: 04/18/2025
Westerra Credit Union Personal Loan
Unaffiliated
in Personal Loans from Westerra Credit Union
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
Starting at 11.49%(Verified 06/21/2024)
Amount Range
Up to $250,000
Loan Term (Months)
60 - 240
Westerra Credit Union Personal Loan Review
Westerra Credit Union Personal Loan is offered by Westerra Credit Union, a credit union founded in 1934 and based in Denver, CO. Westerra Credit Union Personal Loan are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for Westerra Credit Union Personal Loan are on the higher end of the market.
- Super long loan terms. Westerra Credit Union Personal Loan offers loan terms of up to 240 months. Most personal loans have a maximum term of 60 months.
Westerra Credit Union Personal Loan Pros & Cons
| Pros | Cons |
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Westerra Credit Union Personal Loan FAQ
What interest rates and personal loan terms does Westerra Credit Union Personal Loan offer?
Westerra Credit Union Personal Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Westerra Credit Union Personal Loan offer?
Westerra Credit Union Personal Loan offers a variable APR personal loan product that starts at 11.49% APR.
What is the maximum loan term you can get with Westerra Credit Union Personal Loan?
Westerra Credit Union Personal Loan offers loans with terms of up to 240 months.
| Personal Loan Amount | up to $250000 |
| Loan Term | 60 - 240 months |
| APR | Starting at 11.49% |
What fees does Westerra Credit Union Personal Loan charge?
Does Westerra Credit Union Personal Loan charge an origination fee?
Westerra Credit Union Personal Loan may charge a personal loan origination fee .
Does Westerra Credit Union Personal Loan charge a late fee?
Westerra Credit Union Personal Loan does not disclose whether it charges late payment fees.
Does Westerra Credit Union Personal Loan charge prepayment fees?
No, Westerra Credit Union Personal Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Westerra Credit Union Personal Loan?
Westerra Credit Union Personal Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Westerra Credit Union Personal Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Westerra Credit Union Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Westerra Credit Union perform a hard credit pull?
Yes, Westerra Credit Union Personal Loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Westerra Credit Union Personal Loan legit?
Westerra Credit Union was founded in 1934, it is a well-established company that has been in business for 92 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
9:00AM - 1:00PM