No matter how well you manage your money, emergencies and other costly life events can happen unexpectedly. Even expenses that aren’t emergencies, such as home renovations or car upgrades, can fall outside of the average budget for regular expenses, which is why traditional installment loans are a commonly used lending solution. Installment loans can be used to finance a variety of expenses, including new and used car purchases, mobile phone upgrades, and home mortgages.


Traditional installment loans can be used for a variety of reasons, including those that are personal. They are a reliable loan type for both lenders and borrowers because of their fixed repayment strategy. Borrowers apply for a loan and if approved they receive the loan’s full amount in a lump sum. The loan and its interest are then repaid over a fixed period that is typically determined by the amount borrowed. Western Shamrock offers both secured and unsecured loans in varying amounts, depending on your location.


The application process can begin either online on in-branch and will ask for basic information such as name, address, military status, references, employment, and residency history. After submitting this information, your application will be sent to the nearest Western Shamrock branch where you will be contacted by a representative in as soon as 30 minutes. The representative will run your credit information and ask more loan-specific questions. If approved, you will receive a loan offer by phone. Applicants must be at least 18 years of age and Western Shamrock cannot extend loans to military personnel or their dependents.

Lending decisions are made based on an applicant’s debt-to-income ratio and will assess multiple factors including credit history, income, employment and residency stability, and available collateral. Loan payments are accepted in the form of cash, check, money order or debit card payments at any of our local branches.


An installment loan can provide the temporary funds you need. Western Shamrock understands that getting a private personal loan is a time-sensitive situation, which is why we offer phone, online, and in-person service. Even if your credit score is not the best right now, you may still have eligibility. Begin your application today and let Western Shamrock help you reach your financial goals!

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