Lending

Whether purchasing or refinancing, we can offer you a mortgage that fits your life!

Why us?

• Flexible payment options

• Low closing costs

• Purchase, refinance, and cash out loans

• Land Loans- Recreational or Residential

• We do not sell loans

Use the equity in your home for any need you may have. Like...

• Remodeling your home

• Refinance an existing mortgage to lower your rate and/or payment

• Consolidate debt

• Purchase a new vehicle

What is equity, and how do I know how much I have?

Tap into the equity of your home. Get an approved line of credit for a determined dollar amount.

Why us?

• 7-year period during which you can take advances without reapplying

• Up to 15 years repayment

• Only pay interest on what you owe

• Borrow funds as needed

Looking to purchase a new or used vehicle? We have some of the best rates in town!

Why us?

• Terms up to 84 months

• NO down payment required

• We offer GAP coverage to protect your loan

• We offer vehicle service contracts from Vision Warranty Corporation

• Get pre-approved - have that negotiating power ready when looking for a vehicle

• We can help check the value of your trade, and the vehicle you’re purchasing, to ensure you’re getting a fair deal. This is also a helpful tool when negotiating prices while shopping

Looking to purchase or refinance a recreational vehicle like a boat, camper, 4-wheeler, etc? We have a loan for you!

Why us?

• Flexible terms

• NO down payment required

• Get pre-approved, make shopping easier

Financing for everyday life, whether expected or unexpected.

Why us?

• Quick approval

• Flexible payment options

If you are just starting your credit history or have less than perfect credit, this is the perfect loan to help you get on track!

How it works:

• Take out a loan for your requested dollar amount

• The loan money is deposited and held in your savings account as collateral

• Timely payments will be reported, helping build your credit score

• Once the loan is paid in full, the hold will be released, and the money is available to use any way you please

Don’t go to payday loan store- check with us first! 

• Terms from next payday to three months available  

• Avoid the excruciatingly high interest and choose a more reasonable option 

• Quick approval

If monthly payment obligations are weighing you down, consider our debt consolidation loan. 

• Pay off credit cards, medical bills, high-interest debt, etc. 

• One manageable monthly payment 

• Pay debtors directly

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

• Loans for college students.

• A loan option for parents and family members who wish to borrow on behalf of a college student.

• Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Please note:

• All loans offered by ISL Education Lending are subject to credit approval.

• Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Wisconsin Medical Credit Union is compensated by ISL Education Lending for the referral of student loan customers.

A Kwik Cash Loan is a pre-approved line of credit, which works like a credit card without the card.

• Use it for unexpected expenses, overdraft protection for your checking account, or whatever you want

• Monthly payments are calculated by your outstanding balance

• Low payments starting at $25.00 per month

• Get loan advances when you need

GAP

Did you know that the second you drive your vehicle off the lot, it depreciates an average of 20%? After that, each year it declines by 15% in value for the next four years. GAP would cover the difference between the amount your insurance company covers and the amount of your loan in the event of a total loss.

****Subject to certain exclusions and benefit limitations

In today’s economy, a good credit rating can be one of your most valuable assets. And through no fault of your own, it can be ruined due to an accident or illness. A common cause of repossession in the United States is a sudden illness in the family.

Your work disability insurance usually covers less than 70% of your regular income. How can you pay your bills, plus your medical expenses with less money than you make now?

In the event you become sick or injured, a fully protected loan that includes credit disability coverage means:

• Your loan payment is made for you while you are unable to work due to any covered accident or illness

• Benefits are in addition to any other protection you may have already

• Gives you peace of mind so you can focus on getting better and not on bills

In the event of your death, a fully protected loan that includes credit life insurance means:

• Protect your family's standard of living

• The creditor is paid directly

• Loan is paid in full, leaving your family free from payments

Mechanical breakdowns can be very expensive, and you never know when they might happen. WMCU offers vehicle service contracts from Vision Warranty Corporation. Protect yourself against the high costs of vehicle repairs. In many cases, our warranties are less expensive than what you would find at a dealer. So, call us for a quote, and make sure you're getting the most for your money!