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Lifestyle Loans

Where finances are personal.

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Life's Moments
Loan Options
Rates & Calculator
FAQ

We’re always here when you need a financial pick-me-up.

Everyone’s finances are unique to their own personal circumstances and goals. We all have big plans – and some big surprises. So whether you’re saying “I do,” welcoming a new member of the family, sending kids off to college or handling unexpected expenses, we have personalized support and customized tools to help you navigate every change with confidence.

That's why we offer a variety of personal loan options designed just for you, with flexible terms to match your specific situation. And the best part? Applying for a loan with us won't cost you a penny, because there are no application fees. Plus, keeping track of your loan is a breeze since all the details are on your monthly statement.

No Application Fees - Apply without worrying about upfront costs.
Flexible Terms - Choose terms from 12 to 60 months to fit your budget.
Better Rates, Shorter Terms - The shorter your loan term, the better your rate.
Local Decisions - Quick decisions made by people who know you and your community.
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Our Personal Loan Options

Lifestyle loans and lines of credit that give you flexible options and peace of mind.

Lifestyle Loans

If you need a loan for new furniture, car repairs, a vacation, or any of life's expenses, our Lifestyle Loan may be right for you. Customize your loan by choosing the term that's best suited to you.

  • Terms from 12 to 60 months
  • Fixed rate and payment
  • No application fees
  • Borrow for any purpose
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Personal Line of Credit

Your reserve credit line that can easily be accessed through your checking account or at any teller window. Whenever you write a check in excess of your available balance, your Personal Line of Credit funds the exact amount needed.

  • Overdraft protection for your checking
  • Only borrow what you need
  • Min. payment: 2.5% of balance, but not less than $10
  • Access at teller windows
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Lifestyle Loan Rates

Competitive rates with flexible terms. The shorter your loan term, the better your rate!

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Frequently Asked Questions

Common questions about Lifestyle Loans and Personal Lines of Credit.

You can use a Lifestyle Loan for almost anything—new furniture, car repairs, vacations, medical expenses, home improvements, weddings, consolidating debt, or any other personal expense. The funds are deposited directly to your account, giving you flexibility in how you use them.

A Lifestyle Loan is a fixed-rate installment loan with set monthly payments over 12-60 months—ideal for one-time expenses. A Personal Line of Credit is a revolving credit line linked to your checking account that provides overdraft protection and on-demand access to funds. You only pay interest on what you borrow, with a minimum payment of 2.5% of your balance or $10, whichever is greater.

No! There are no application fees for Lifestyle Loans or Personal Lines of Credit at Westmark. Applying is completely free, and you'll only pay interest if you're approved and take out the loan.

Many Lifestyle Loan applications receive same-day decisions. Once approved, funds can be deposited to your account within 1-2 business days. Personal Lines of Credit are also processed quickly and can be set up within a few days of approval.

Yes! You can make extra payments or pay off your Lifestyle Loan early without any prepayment penalties. Paying off your loan early can save you money on interest. Make payments online, by phone, or at any branch.

Yes, you must be a Westmark member to receive a loan. But don't worry—joining is easy! You can apply for membership and your loan at the same time. Membership requires a Primary Savings account with just a $5 minimum deposit.