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Wish List Loans

Wish List Loans are available October 1st through December 31st each year.  Borrow $1500 for 18 months, with no minimum credit score required!*  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 required to qualify.  It’s just that easy, so apply now!

Besides holiday expenses, Wish List Loans may be used for just about anything:

  • Vehicle Maintenance or Repairs
  • Home Improvements or Repairs
  • Medical Expenses
  • Travel Expenses
  • Veterinary Expenses
  • Wedding Expenses
  • And More!
It's never been a better time to borrow a little extra cash, so light up your holiday season with a Wish List Loan!

Apply Online Today!

*A sample monthly payment for a $1500 loan at a rate of 15.00% (24.797% Annual Percentage Rate) for 18 months with full payment protection is approximately $106 per month. A minimum 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 $110 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. Offer expires 12/31/2019. Other restrictions may apply.




Emerald Payment Protection:
Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death, disability from an injury or illness, family leave or involuntary unemployment.  Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt.  Emerald Payment Protection may be added to any new or existing loan.  Calculate your approximate protected monthly loan payment now.


Your purchase of Emerald Payment Protection is optional is 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.  You may cancel Emerald Payment Protection at any time.  If you cancel Emerald Payment Protection within 30 days you will receive a full refund of any fee paid.