Loans & Lines of Credit Designed Around Your Life
When you need to borrow, flexibility and trust matter. Meriwest Credit Union offers a wide range of competitive loans and lines of credit designed to help you manage expenses, consolidate debt, improve cash flow, or invest in what matters most. From personal loans and revolving lines of credit to home equity solutions, our lending options are built to fit your goals—without the surprises of big‑bank lending.
As a member‑owned credit union, Meriwest focuses on fair rates, local decision‑making, and personalized support, so you can borrow with confidence.
MyLine
For Your Meriwest Checking Account
Say goodbye to overdraft charges and hello to a new way of covering extra expenses with MyLine!
- Line of credit ranges from $100 to $2,500*
- Avoid overdraft charges
- Pay unexpected expenses
- Pay for any need
- *Learn More
*The maximum approved loan amount is $2,500. You are required to have a linked Meriwest checking account and establish automatic payments from that linked checking account. Variable rate loan is subject to credit approval.
Membership requires a one-time non-refundable $5 fee.
Explore Loan & Credit Options
Auto Loans
Competitive financing for new or used vehicles, with flexible terms, low rates, and fast approvals to help you get on the road with confidence.
*Get Preapproved
Personal Loans
Flexible personal loans and lines of credit designed to fit your unique needs—whether you’re consolidating debt, managing expenses, or planning ahead.
Explore Personal Loans
Student Loans
Looking for an education loan that’s designed for the needs of all types of students? Student loans from Meriwest Credit Union in partnership with Sallie Mae® could help!
Student Loan Options
Meriwest Credit Cards
Earn cash back or rewards with flexible credit card options designed for everyday spending and convenience. Choose from great features and rewards that help you get more value out of the purchases you already make.
Explore Credit Cards
Home Equity Lines of Credit
Use the Funds for Any Purpose! Need funds to get stuff done? With a HELOC from Meriwest you'll have access to that extra money you need for home repairs, special projects, tuition costs, consolidating higher-interest debt, or to simply pay off a few bills.
Get Started
Home Equity Loans
Whatever your needs, using the value of your home with a Home Equity Loan from Meriwest Credit Union could be the solution. It's sensible and affordable. You decide how much to borrow, based on the equity built up in your home.
Learn More
HomeFast ADU Loan
Flexible financing to unlock the potential of your property with up to 12 months of introductory pricing, available for owner‑occupied, secondary, and investment single‑family homes in California, with quick approval and funding.
Learn More
100% Home Loan
Want homeownership but are low on funds for a down payment? Consider pairing a Meriwest mortgage with 100% home loan financing for eligible single‑family homes and townhomes—avoiding borrower‑paid mortgage insurance and fixed, predictable payments.
See If You Qualify
Meriwest Mortgage
The Right Home Starts with Meriwest Mortgage, offering competitive rates, flexible loan options, and guidance from local experts who understand the Bay Area market. Whether you’re buying your first home, upgrading, or refinancing, we’ll help you navigate the process with confidence—from application to closing.
Get StartedSAFETYnet Debt Protection
Life happens—and SAFETYnet Debt Protection is designed to help when it does. In case of covered events like unemployment, disability, or loss of life, SAFETYnet may help cancel or suspend eligible loan payments. It’s an optional layer of protection that can help you stay on track financially when unexpected hardships arise.
Understanding Your Loan Options
-
Personal Loans for Everyday Needs
Personal loans are a smart option when you want a fixed payment and a clear payoff timeline. Whether you're covering a large expense, consolidating higher‑interest debt, or planning ahead, Meriwest personal loans offer predictable terms and competitive rates.
With flexible loan amounts and repayment options, personal loans can help simplify finances while keeping monthly payments manageable.
Common uses include:
- Debt consolidation
- Medical or education expenses
- Home improvements
- Major life events or unexpected costs
-
Lines of Credit for Ongoing Flexibility
A line of credit gives you access to funds when you need them—without having to reapply each time. You only pay interest on what you use, making it a flexible option for managing short‑term needs or keeping a financial safety net in place.
Meriwest offers personal lines of credit designed for convenience, helping you manage variable expenses and smooth out cash flow.
Why choose a line of credit:
- Draw funds only when needed
- Pay interest only on the amount used
- Reuse available credit as you repay
- Easy access through digital banking
-
Home Equity Loans & Lines of Credit
If you’ve built equity in your home, a home equity loan or home equity line of credit (HELOC) can be a powerful borrowing option. These loans typically offer lower rates than unsecured borrowing and can be used for a variety of purposes.
Home equity options are commonly used for:
- Home renovations or improvements
- Major purchases
- Debt consolidation
- Education or long‑term planning
Meriwest offers both fixed‑rate home equity loans and variable‑rate HELOCs, giving you the ability to choose the structure that best fits your needs.
-
Why Borrow with Meriwest Credit Union
Choosing the right lender is just as important as choosing the right loan. At Meriwest, lending decisions are made locally, with your full financial picture in mind.
What sets Meriwest apart:
- Competitive rates and transparent terms
- Local service and personalized guidance
- Flexible loan and credit line options
- Digital tools to manage your loan easily
- Relationship‑based benefits through Meriwest Merit Rewards
-
Find the Right Loan or Line of Credit
No two financial situations are the same. Whether you need a one‑time loan or ongoing access to credit, Meriwest makes it easy to explore your options, compare rates, and choose the solution that fits your goals.
Explore our loan and line of credit options, use our calculators to estimate payments, or connect with a local lending specialist to get started.
What our Members are Saying
People Usually Ask:
-
What are the current auto loan rates?
Meriwest Credit Union's current auto loan rates are always online. We offer great rates and flexible terms on our auto loans.
Visit our Rates page.
Drive it away, the Meriwest way:
Meriwest offers the convenient, flexible and easy solutions that you're looking for when purchasing a new or used car. You don't have to settle anymore - our low-interest auto loans will help you purchase a car that reflects who you really are. After all, a loan approved is a life improved.
- Flexible payment periods to suit your financial needs with terms from 24 to 96 months
- Competitive Auto Loan Rates
- Decisions on your auto loan applications made in less than 24 hours
-
What types of loans does Meriwest Credit Union offer?
Meriwest Credit Union offers a wide range of loan options including:
-
Who is eligible for an ADU loan?
Eligibility typically includes:
- Owning a single-family home
- Meeting minimum credit score requirements
- Having sufficient income and equity
- Complying with local zoning and building regulations
-
How do I apply to refinance my auto loan?
You can fill out our Online Auto Loan Application today and get a loan decision in 60 seconds - it's that easy. Our Financial Services Representative can help you facilitate this simple process.
Meriwest offers the convenient, flexible, and easy solutions that you're looking for when purchasing a new or used car. You don't have to settle anymore - our low-interest auto loans will help you purchase a car that reflects who you really are. After all, a loan approved is a life improved.
- Flexible payment periods to suit your financial needs with terms from 24 to 96 months
- Competitive Auto Loan Rates
- Decisions on your auto loan applications made in less than 24 hours
Get the protection you need for your vehicle
Automobile Insurance from Meriwest offers competitive pricing and the most comprehensive coverage possible. You can even customize a protection plan that fits your needs and budget.
-
How do I apply for a loan at Meriwest?
You can apply for a Meriwest loan online, in person at a branch, or by phone. Many loans offer quick approvals, and some applications receive a decision in less than 24 hours.
-
Are Meriwest loan rates competitive?
Yes. Meriwest Credit Union offers competitive loan rates across auto, personal, and home equity products, with rates designed to be lower than many traditional banks.
-
What can I use this loan for?
You can use funds for: home repairs, educational expenses, debt consolidation, large purchases, and more—no restrictions on usage.
-
What’s the difference between a personal loan and a personal line of credit?
A personal loan provides a fixed amount with set monthly payments, while a personal line of credit allows you to borrow only what you need, when you need it, up to a set limit.
-
Does Meriwest offer debt consolidation loans?
Yes! Meriwest Credit Union offers several loan options for our members to consolidate bills and pay off other debts including:
If you would like to discuss options before applying, simply speak to one of our Financial Services Representatives at 1-877-Meriwest (637-4937) or visit us today!
Join Our Family!
Membership is required for Meriwest products and services. You are eligible to join Meriwest Credit Union if any of the following applies:
- You live, work, worship, or attend school in Alameda, Contra Costa, San Francisco, San Mateo and Santa Clara counties of Northern California, and Pima county of Arizona.
- You are an employee of a participating Meriwest Credit Union member company.
- You are a relative of or reside with a current member of Meriwest Credit Union.
- If you don’t meet any of the requirements above but live in California or Arizona, you can still join Meriwest with a complimentary membership in the Financial Fitness Association. Call 1-877-637-4937 to learn more.
Join Meriwest Today! Visit A Branch
