Cover the Deductible.
Start the Repairs.

Deductible Relief Loan
Special low-rate financing for members impacted by the recent windstorm.

If the recent windstorm left you with unexpected repair costs or insurance deductibles, Western Vista Credit Union is here to help.

We’re offering a special Deductible Relief Loan for damage to homes and automobiles to support members as they repair and recover. Our team is ready to talk through your situation and help you find the right solution.

Storm damage is stressful. Paying the deductible doesn’t have to be.

TO APPLY:

Please visit your nearest branch or call us at 800-310-2197 during business hours.

Terms, Conditions, and Disclosures
Loan Terms
  • Interest Rate: 0.00% Annual Percentage Rate (APR)
  • Loan Limits:
    • Up to $5,000 for homeowner insurance deductibles
    • Up to $1,000 for auto insurance deductibles
  • Repayment Term: Maximum of 6 months
  • Payment Method: Automatic payments (autopay) are required for the duration of the loan
Disbursement of Funds
Loan proceeds will be paid directly to the company performing the repairs on behalf of the member. Funds will not be disbursed directly to the member. Invoices will be required for funding purposes.
Eligibility and Limitations
  • No credit check or credit qualification is required
  • Member must have an active account in good standing with Western Vista Credit Union
  • Approval is subject to verification of an eligible insurance deductible expense
Loan Limit Per Event and Claim Type
  • Members are eligible for one Deductible Relief Loan per documented insurance claim event.
  • A claim event is defined by a unique insurance claim number
  • A separate loan may be considered for different claim types arising from the same event
  • Multiple loans for the same claim type under the same claim event are not permitted
Documentation and Process Requirements
The Deductible Relief Loan will follow the same documentation and processing standards as Overdraft Protection (ODP) Loans and Government Payroll Support Loans.
Members must provide documentation supporting:
  • The insurance claim, including claim number
  • The deductible amount due
  • The insurance carrier and payment information
Additional Financing Options
If a member requires funding beyond the Deductible Relief Loan limits, additional loan options may be available. These loans will follow standard underwriting, credit qualification, and pricing guidelines.
Important Disclosures
  • This is a short-term, no-interest loan intended solely for insurance deductible expenses.
  • Failure to maintain required automatic payments may result in loan default and the remaining balance becoming due in full immediately.
  • Late or missed payments may result in fees and/or restrictions on future borrowing.
  • Program terms are subject to change or discontinuation at any time.