Personal Loans and Lines of Credit
At Meriwest, we know you need flexibility and options that fit your unique situation.
- Personal Loan
Need to borrow money for a specific purpose? Our personal loan option offers convenience and peace of mind at a competitive rate - Money Manager Loan
Looking to consolidate debt? Our low fixed-rate debt consolidation loan can help - ValueChoice Personal Line of Credit
When you need convenient funds, this credit line will do the job - Share and Certificate Pledge Loan
Use the money you have on deposit in a Meriwest Regular Savings or Certificate account as collateral for a low interest-rate loan - Solar Loan
Go Solar with Meriwest! We have special rates and terms that help make going solar the right choice and the Federal Tax Credit makes solar even more affordable
Personal Loan Estimation Calculator
Your actual rate, payment, and costs could be higher. Get an official Estimate before choosing a loan. Loan and Interest calculators are for estimation purposes only.
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.
People Usually Ask:
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How can I qualify for a loan?
Loan qualifications differ depending on which loan you are applying for. The best way to know if you qualify is to apply!
There is no cost to apply, and our Financial Service Representatives will work with you and discuss your options.
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What is my loan payoff amount?
To obtain a loan payoff, visit a Meriwest Financial Center, contact us, or log into Meriwest Online Banking.
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What are the current rates?
Meriwest Credit Union's current Loan rates are always online. Visit our Rates page to see our competitive rates.
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What products qualify for the Meriwest Merit Rewards Program?
Below is a list of qualifying products for the Meriwest Merit Rewards Program:
- Share Certificate Accounts
- Share Savings Accounts
- Money Market Accounts
- Auto Loans
- Unsecured Lines of Credit with a Balance
- Personal/Money Manager and Other Unsecured Loans
- Share and Other Secured Loans
- Closed-End Equity Loans
- Home Equity Lines of Credit with a Balance
- Current Meriwest Credit Cards with Monthly Activity
- Meriwest Mortgage Loans (Counts as 2 Products)
- Meriwest Wealth Advisor Accounts (Counts as 2 Products)
Visit our Merit Rewards Program page to learn more.
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How long does a loan approval take?
If you apply for a loan online, you can receive a loan decision in 60 seconds. In most other cases, we are able to provide a loan decision within 24 hours.