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.