Personal Loans

Financing for a variety of needs

While the best things in life are free, sometimes there are things can come with an added expense.

At Webster First, our focus is on helping you make the right financial decisions. Whether you’re looking to consolidate your debt, finance a major purchase, or tackle an unexpected expense, our personal loans can be a great choice. Talk to our team today and see how we can help you.

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Personal loan benefits

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Low rates

Rates currently as low as 9.74% APR*

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Finance up to $20,000

Cover a wide range of need with scalable financing amounts

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No pre-payment penalties

Shrink your term and save on interest by making extra payments to your principal balance

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Easily stay on track

Track your loan balance and make your monthly payments with our mobile app

Ways to use a personal loan

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Debt consolidation

Consolidate your debts from credit cards or other high-interest lenders into one manageable monthly payment.
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Wedding expenses

Weddings can be a major expense – our personal loans are a perfect match.
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Vacation financing

Dreaming of vacation? All you need is your passport and our personal loans.
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Moving expenses

Finance temporary storage, moving truck fees, new furniture, and more.
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Medical bills

Pay off medical bills with our personal loans and budget manageable payments for peace of mind.
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Car repairs

Ignoring the need for repair can lead to bigger problems down the road. A personal loan can be a great way to get the repairs you need now.

How can we help?

Our dedicated Loan Officers are here to answer your questions. Contact your local branch for a personal loan expert right around corner.

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Current Rates

Type APR1 EMP2 (per $1,000) Finance Charge
Personal Loans
24 Month 9.74% $46.04 $104.84
36 Month 9.99% $32.28 $161.68
48 Month 10.49% $25.61 $229.01
60 Month 10.99% $21.75 $304.59
Credit Builder³
60 Month 7.00% $19.81 $188.27
Signature Line of Credit⁴ 12.90%
Overdraft Revolving Credit⁵ 14.90%
Share Secured Loans⁶
1:APR = Annual Percentage Rate. Rates subject to change without notice. Rate determined by credit report and collateral.
2:EMP = Estimated Monthly Payment.
3:Proceeds held in an interest bearing certificate for full term of the loan.
4:Maximum amount $10,000
5:Maximum amount $5,000
6:Three percent over interest being earned on account held as collateral

Award-winning service

Rated 5 Stars by Bauer

2022 Top Lender: Banker & Tradesman

2022 Winner: Best of Central Mass

Why choose Webster First?

Smart money decisions are in our DNA

Webster First is one of the most well capitalized credit unions in Massachusetts as a result of our hard work and determination to make the best possible financial decisions. With our experience and dedicated team, we’re confident we can help you make the right financial decisions too.

Local, neighborly know-how

Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our lending team is locally grown too, they personally care about the success of their neighbors and community.

Authenticity you can trust

As New Englanders, we believe in being upfront and honest. You can expect straightforward answers to all your mortgage questions. Each relationship starts with trust and it’s the cornerstone of our acclaimed member service.