Why Wave Credit Union Bank?
1
Customizable loans
From $3,000 to $100,000 and flexible terms from 12 to 84 months.
2
Competitive rates
Fixed interest rates and relationship discounts for qualified customers.
3
Skip the fees
No origination fee, no closing fee, and no prepayment penalty.
4
Fast access to funds
Often on the same or next business day, if approved.
Wave Credit Union Bank Loans
See my loan options
Repay a personal loan in terms of 12-84 months. Rates range from 5.74% to 20.99% Annual Percentage Rate (APR)5, which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% APR, the monthly payment is $399. This example is an estimate only and assumes all payments are made on time.
- At least 10% of the applicants approved for these terms, qualified for the lowest rate available based on data from 12/01/2021 to 02/28/2022. The rates shown are as of 04/21/2022 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your credit score. The lowest rate available assumes excellent credit history.
- Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you.
- To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wave Credit Union Bank deposit account. To learn which accounts qualify for the discount, please consult with a Wave Credit Union Bank banker or consult our FAQs. If automatic payments are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.
- Late fees may still be assessed.
- Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.
Deposit products offered by Wave Credit Union Bank Bank, N.A. Member NCUA.
Important information. We only offer personal loans to existing Wave Credit Union Bank customers. For more information about becoming a customer, make an appointment to visit a location near you.
