Welcome to the World of Borrowing at Welcome Federal Credit Union (WFCU)! We invite you to take advantage of your membership and borrow from WFCU. We offer a wide-range of lending options. Borrowing from WFCU has many benefits:

Apply For A Loan On-Line Loan Forms (including application steps and guidelines)

• We offer low, competitive loan rates.
   
• Depending on loan type, most of our loan policies are generous with loan maximums and offer longer terms than other lenders.
   
• There are no hidden fees with our loan programs.
   
• Loans may be paid in full at any time without an early payment penalty.
   
• All Credit Union loans are ‘simple interest’ loans.
   
• Credit Life Insurance is supplied at no additional charge on loan accounts.
   
• Optional, low-cost, Credit Disability Insurance is offered on most loan types.

The Loanliner® Simplified PLUS Plan lending system provides you with an easy way to borrow from WFCU. After the initial paperwork, signatures, and meeting of loan criteria, you can keep borrowing into the future. We will ask you for quick updates, proof of income, and continued good credit practices.

To apply for the Loanliner® Simplified PLUS Plan lending system, please refer to the following loan steps and guidelines:

• Loan Steps and Guidelines and Links to Required Loan Forms

Once you receive approval for this program and you request a loan, there are several ways we can get your money to you quickly:

• At your request, funds can be deposited directly into your WFCU savings or checking account.
   
• You can visit one of our branches and we can hand you a check.
   
• We can mail the check to you.

We provide a number of easy ways for you to make your loan payments:

• Payments can be made through direct deposit and can be automatically transferred from either your savings or checking account.
   
• You can transfer your payments through Virtual Branch® Home Banking.
   
• You can transfer your payments through our TellerLine audio response system.
   
• You can mail your payments to us.
   
• You can bring your payments into one of our branches – we enjoy seeing our members!

Please review the types of loans that are available and our current loan rates:

• Types of Loans Available
   
• Current Loan Rates

Please phone us with any questions. Thank you for the opportunity to serve you!