Expenses can pop up unexpectedly that require funds outside of your current budget. When people find that they need fast cash, they may seek out quick loan options. Unfortunately, traditional banks and other lenders operate under limited hours and might not be able to get you the funds you need within the time that you need them. Western Shamrock may be able to get you a quicker loan if traditional banks are not the right choice for you.


Traditional installment loans give the borrower access to a lump sum of funds that they repay in a series of regular installments. Generally, they are repaid in equal monthly payments that include both interest and a portion of the principal. Compared to other types of loans, those paid in installments can be a more flexible option for borrowers. Many individuals are already familiar with installment loans in the form of auto loans, home mortgage loans, or smartphone upgrade monthly installment plans.


The Western Shamrock application process can begin online or in-branch but must be completed at one of our local branch locations. Basic information such as name, address, military status, employment history, references, loan amount requested, and residence information will be needed to begin your application. Applicants must be age 18 or older, and Western Shamrock cannot extend loans to military personnel or their dependents. Upon submission of online applications, your information is sent to the nearest branch where a representative will contact you within thirty minutes to ask further questions and run your credit. Our response rate to applications is quicker than most traditional lenders.

We base our loan decisions on an applicant’s debt-to-income ratio and credit history as well as employment and residency stability. If offered a loan over the phone, loan details and repayment plan will be determined in-branch upon signing the contract. Repayments are accepted in-person at any of our local branches in the form of cash, debit card, check, or money order.


Western Shamrock caters to the needs of each individual borrower. We strive to provide quicker loan service than traditional lenders so that you can get the money you need in the time frame you need it. By choosing both Western Shamrock and a traditional installment loan, you get the money you need and have a reliable strategy for repaying it. Our application process is relaxed, simple, and stress free so get started today!

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