White River Credit Union offers a variety of Personal Loans. Our friendly team will help you determine what the best option is for you. We have funds for just about anything and 24×7 online approvals.
WHAT IS A LINE OF CREDIT?
A White River Credit Union Line of Credit gives you the freedom to borrow funds as you need. Whether it’s an emergency situation or an unexpected expense, a line of credit is a flexible option that is available to help you with variable costs.
*Optional Life, Disability, and involuntary unemployment protection may be available to you.
What else should you consider?
What is a personal line of credit?
A personal line of credit is a loan you use like a credit card. A lender approves the entire amount at once, but you pay interest only on what you use.
A personal line of credit can be a useful tool when you need to borrow money incrementally, such as paying contractors for an ongoing home improvement project. It can also help you avoid overdrawing your checking account when you have an irregular income or use auto-pay and run into an unusually large bill.
Unlike a home equity line of credit, or HELOC, a personal line of credit requires no collateral.
What will my payments be?
Check out our Loan Calculator for an estimate.
What is a Personal Loan?
With approval, you have the flexibility to take out a personal loan for almost anything. Trip of a lifetime, engagement ring, a new puppy….use your imagination!
*Optional Life, Disability, and involuntary unemployment protection may be available to you.
What will my payments be?
Check out our Loan Calculator for an estimate.
Is your head spinning trying to keep track of multiple bills? Learn more about White River Credit Union’s easy debt consolidation options and streamline your debts into a single monthly bill. You may eliminate your debt faster and less expensively.
We have several options for you to select from:
- Roll your debt onto a vehicle using the equity you have
- Consider home equity loan, home refinance, or a personal loan
- Consolidate into a personal loan
We’ll pay the bills for you and help you save on payments and save money. Lower rate and lower debt for you
What else should you consider?
Do you need a Budget
Are you breathing? You need a budget. (Yes, it’s just that simple.)
How to create a budget
Start by sitting down with the family: What are the “hard costs” – the monthly expenses (like insurance premiums, the mortgage, and taxes) that remain steady? What are the “soft costs” – the monthly expenses (utilities or entertainment) that change? What are the “variables” – things you spend on (vacations and school fees) in some months but not others. How much do you put into savings and investments? How much do you set aside for unexpected expenses?
Protect you and your loan
Protect your family against the unexpected. Debt Protection protects your loan balance or loan payments against death, disability or involuntary unemployment.
- The protection could cancel your loan balance or payments up the contract maximums.
- Purchasing is voluntary and won’t affect your loan approval
