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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This credit union is federally insured by the National Credit Union Administration.
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