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!
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.