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Personal Loans

Payday Alternative Loans
Our Payday Alternative Loan is different from a traditional payday loan.  With a traditional payday loan you are probably paying extremely high interest rates and fees.  There are no outrageous fees or interest rates with a Payday Alternative Loan from Rails West.  And, you have the opportunity to stretch out the repayment to a manageable monthly payment over several months, helping you escape the never ending cycle that may be digging you deeper into debt.

  • Terms from 1 to 6 months.
  • Low application fee of $20.
  • Loans from $300 to $950.
  • Great solution to the higher rate alternatives.

Signature Loans
Life happens and we understand.  A Signature Loan from Rails West helps with short-term financing needs and requires no collateral.

  • Terms from 6 to 36 months.
  • Low interest rates.
  • No application fee.

Overdraft Protection
Overdraft Protection is a pre-approved line of credit that will automatically transfer funds to your checking account if there is insufficient funds to cover checks you’ve written or ACH withdrawals.

  • Avoid costly fees.
  • Low monthly payment.
  • Great protection for the occasional balancing error.

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Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (208) 232-5746