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First-time credit card, auto loan, and mortgage borrowers can save with Wescom. If this is your first time borrowing, we offer programs that can help you qualify, save on rates, and get terms that best fit your finances.
Whether you’re a new Wescom member or a long-term member, when you qualify for our first-time buyer program, you’ll be eligible for a rate review after 12 months from your open date.
With a Wescom Auto Loan, we offer existing members terms up to 72 months and loan amounts up to $25,000.1 To help you ease into your new monthly payment, we give you 90 days to make your first one!2 Plus, enjoy a 0.50% APR discount for every six months of consecutive, timely payments for up to a maximum 2.00% APR discount.3 We offer a maximum loan-to-value (LTV) of 110 percent.
Wescom offers multiple mortgage loan options to fit your needs, including High Loan-to-Value options to help you borrow more.4 Plus, get qualified to put down as little as zero or three percent of your purchase price — also known as your down payment — and get up to 100 percent financing.5 Get prequalified today to know your purchasing power!
NMLS #999430
All loans are subject to approval. Rates are subject to change without notice. Membership eligibility required. Terms and conditions apply. For rates, fees, and other cost information, visit wescom.org/credit-cards.
1 A $25,000 loan at 10.99% over 72 months is a monthly payment of $475.74. Rates vary depending on the individual’s credit history and underwriting factors.
2 The no payment for up to 90 days option is available for qualified borrowers. Finance charges begin to accrue immediately and are repaid over the life of the loan. Your first payment following the 90 days no payment option will be applied more towards the interest. This may delay the repayment of your principal. As a result, you may pay higher total finance charges on the loan than if repayments began earlier.
3 Total discount of up to 2.00% APR applied in increments of up to 0.50% for every six consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at the time of funding. The monthly payment amount remains constant, with additional money going toward the principal, which shortens the term of the loan and the total amount paid over the life of the loan. Some restrictions may apply.
4 Regardless of the county's maximum loan limit.
5 All borrowers may not qualify for all loan programs. This does not constitute a commitment to lend. Loan approval is subject to income, credit, and property valuation. Other terms and conditions apply. Ask your Mortgage Loan Officer for details.
