West Denver Community Credit Union (WDCCU) offers a variety of low-cost, flexible loan programs designed to help our members consolidate debt, finance a new or used vehicle…or even take a vacation!
Loan Programs Include:
- Vehicles
- Motorcycles
- Boats & Watercrafts
- Recreation Vehicles
- VISA Credit Card
- Personal/Signature
- Share & CD Secured
- 1st & 2nd Mortgages ($100,000 Maximum)
- Home Equity Line of Credit ($30,000 Max.)
- 1st Mortgage, Rental Property ($100,000 Max.)
Emergency Loans
You may think there's no way out if you're in a financial bind. But we want to tell you that there is!
West Denver Community Credit Union (WDCCU) offers emergency loans to help people in times of crisis. We understand that unexpected expenses can happen when you least expect them — and if you're already getting by on a shoestring budget, those unexpected expenses can strain your finances.
That's why we offer emergency loans for whatever life throws at you: medical emergencies, car repairs, home repairs, and more. Our loans are quick and easy to apply for, with fast approval and rapid disbursement of funds. You can pre-apply for emergency same-day loans without any impact on your credit. And if any fees are associated with the loan, they'll be disclosed upfront, so there won't be any surprises later on down the road!
Payday Loans
A payday loan could be your answer if you're looking for a fast and easy way to get some cash.
West Denver Community Credit Union (WDCCU) offers payday loans that can help in a pinch. We know that every situation is different, so we offer flexible terms and rates that work for you.
We understand that life happens—you may not always have enough money in your account when the rent or mortgage payment is due, or maybe you've been hit with unexpected expenses like car repairs. However, if you need fast cash but don't want to take out a loan from a bank or credit union, our payday loans can help!
Our application process is simple: just apply online or visit one of our branches. The best part about applying for a payday loan from WDCCU? You don't have to wait weeks for an answer! Our decision takes just minutes!
Installment Loans
Are you looking for a new way to pay your bills or start a business? If so, we've got the perfect solution: an installment loan from West Denver Community Credit Union (WDCCU).
Installment loans are outstanding because they allow you to pay back loans in monthly installments over time instead of all at once. Therefore, it is advantageous when trying to pay off a large debt or get started on something big—like starting your own business! You can even use an installment loan to pay off other loans like credit cards.
If you want to learn more about how our installment loans from West Denver Community Credit Union (WDCCU) can help you achieve your goals, give us a call today!
Mortgage Loans
We service all our Mortgage Loans, which means we don’t sell your loan to other lenders. Our Mortgage Loans are restricted to:
Refinances only, no new purchases
Homes located in Colorado
All loans backed by Home Mortgages cannot exceed 70% of the home's appraised value, including the 1st Mortgage loan balance—contact WDCCU for more information concerning rates and applicable fees.
VISA Credit Card
Our VISA credit card has a 25-day grace period for purchases, and there are no annual fees.
Auto Buying – Made Easy
Our members can obtain financing for their vehicle at WDCCU while at the dealership! If you don’t have time to shop, let Automotive Avenues – an auto buying service provider, do the shopping for you.
Payment Method
You can choose to repay your loan through payroll deduction, automatic transfer from your account at WDCCU or an account you have at another institution, or make your payments. In addition, we offer members the ability to repay their loans monthly, semi-monthly, or bi-weekly. You can even transfer payments over the phone by talking to our friendly staff or using our audio response system.
How To Apply For a Loan
You must be a member of WDCCU to apply for a loan and be employed for at least six months or previously employed for two years. Members can apply for a loan:
In-person or by mail. – Just stop by our office, or mail your application to 3299 W. Alameda Ave. Denver, CO 80219
By Fax – Complete an application and fax it to (303) 935-4472
Through a secured Loan Application page – click on the word Loan Application and complete the information requested or print and mail the application.
Qualification
You must be a member of WDCCU;
All loan requests are subject to credit approval (excluding Savings and CD secured loans).
