PROTOTYPE — concept redesign of wccu.net by Dorcia Automations. Apply — one page for every application, with a live calculator at real WCCU rates.

Apply

Every application. One page.

Pick what you need, see the payment before you commit, then apply. About ten minutes.

Step one

See your payment before you apply

The live site sends you to a third-party calculator. This one runs right here, at WesTex's real rates.

Loan amount $28,000

Term 60 months

Rate (APR) 4.74%

Your monthly payment

$525/mo

60 payments at 4.74% APR

Total interest$3,479

Total paid$31,479

Start this application

Estimate only. APR = Annual Percentage Rate. Your actual rate is based on creditworthiness and term, and is not guaranteed. Mortgage and home equity rates are set by your loan officer.

Step two

What happens after you hit apply

The live site never tells you this. Knowing the steps is why people finish an application instead of abandoning it.

You apply online

About ten minutes. Save and come back if you need to.

We review it

A real loan officer at your branch — same day in most cases.

We ask for documents

Paystub, insurance, title — whatever your loan needs. Upload from your phone.

You get funded

Sign, and the money moves. Most auto loans close in a couple of days.

Before you start

Have these handy

Nothing kills an application like getting halfway and realising you need to go find something.

Start an application

Photo IDDriver's license or state ID

Social Security numberFor identity verification and your credit check

Proof of incomeRecent paystub, or last year's tax return if self-employed

Vehicle detailsAuto loans only — year, make, model, VIN if you have it

Proof of insuranceAuto loans only — we'll need it before funding

Not a member yet?

You have to join before you can borrow — but joining takes one form and $25. WesTex is member-owned, which is why our rates beat the banks.

1. Check you're eligibleLive, work, worship or attend school in our West Texas service area — or be related to a member.

2. Open a Share accountA $25 minimum balance. That $25 is your share — it makes you an owner, not a customer.

3. You're inLoans, checking, Kids Club, the whole thing. Your $25 stays yours.

Become a member