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

Low rates

Rates currently as low as 8.99% APR*

Finance up to $20,000

Cover a wide range of need with scalable financing amounts

No pre-payment penalties

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

Easily stay on track

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

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 APR (as low as) Term (up to) Monthly Payment (per $1,000)
Personal Loans

Max loan amount $20,000

8.99% 24 $45.68
9.24% 36 $31.92
9.74% 48 $25.24
10.24% 60 $21.37
Credit Builder***

Max amount $5,000

7.00% 60 $19.81
Signature Line of Credit

Max amount $10,000

12.90%
Overdraft Protection Line of Credit

Max amount $5,000

14.90%
Share Secured Loans

3% over interest being earned on account held as collateral

*Annual Percentage Rate (APR). Rates subject to change without notice. Rate determined by credit report and collateral.

***Proceeds held in an interest bearing certificate for full term of the loan.

Award-winning service

2020 Best of Central Mass winner award badge

2020 Winner: Best of Central Mass

2019 Winner: Best of Central Mass

Rated 5 Stars by Bauer

2018 Winner: BBB Marketplace Excellence

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.

*Enrollment in Webster First Federal Credit Union membership required to complete loan disbursement. Rate will be determined at the time of application and will be based on your credit information. Not all applicants will qualify for the lowest rate. EX. $1,000; Annual Percentage Rate (APR) 8.24%); 60 months; $20.39; total interest $223.16. Rate quoted here assumes excellent borrower credit history. Maximum APR is 18%. Repayment terms are 12-60 months. Loan subject to credit approval.