Skip to main content

Wish List Loans

A Wish List Loan is a small, short-term personal loan - Borrow $1500 for 20 months at 11.49% APR.* An active direct deposit amount of at least $110 per month into your ECU Share Savings or Checking Account for the last six (6) months is a requirement to qualify. Please note that your credit score is not used to determine the interest rate, however we do rely on the repayment trends found in your credit report.

Wish List Loans may be used for just about anything:

  • Vehicle Repairs
  • Home Improvements, Maintenance, or Repairs
  • Medical Expenses
  • Vacation and Travel Expenses
  • Holiday Expenses
  • Veterinary Expenses
  • Wedding Expenses
  • Back to School Shopping
  • And More!
It's never been a better time to borrow a little extra cash, so make your dreams come true with a Wish List Loan!

Loans FAQs



Light Bulb Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

*A sample monthly payment for a $1500 loan at a rate of 11.49% (24.024% Annual Percentage Rate) for 20 months with full payment protection is approximately $92.03 per month. A minimum monthly Direct Deposit amount of $110 into your ECU account must be active for at least six (6) months to qualify. Interest rate is based on 0.50% discount for automatic repayment. A $160 processing fee will be assessed and added to the amount borrowed. Only one (1) Wish List Loan per member at any time. All rates and promotions are subject to change without notice. Other restrictions may apply.

Ready to Apply?

Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you.

Emerald Payment Protection with Life Plus


Your safeguard against the unexpected. Debt protection with Life Plus. Learn more.

Financial Protection for the Unexpected - Protect the Ones that Matter Most


Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Emerald Payment Protection with Life Plus, which may cancel your loan balance or payments, up to the contract maximum, in the event of involuntary unemployment, disability, or death. Eligible loans include:
  • Vehicle Loans
  • Personal Loans
  • Platinum Visa Credit Cards
  • Wish List Loans
  • Home Equity Loans
Take an important step toward financial security. Ask us about Emerald Payment Protection with Life Plus today.


Your purchase of Emerald Payment Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.