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Providing short term traditional installment loans since 1965!

Looking for a loan? Getting the money you need today has never been easier. You can accelerate the process by filling out our online form, and then visit your local branch to complete!

Traditional Installment Loan

Installment Loans

Most people take out an installment loan in some form at some point in their lives. Installment loans offer a convenient path to financial flexibility. Our installment loans are typically used to cover unexpected expected expenses such as a home or auto repair, a medical bill, or school expense. However, there are many ways to use a personal installment loan and the choice is yours once you are approved!
credit starter loan
Build your credit with Western Shamrock’s Credit Builder Loans and Credit Starter Loans! Apply now and take the first step towards financial stability.
Debt consolidation
Consolidate your debts with Western Shamrock’s personalized loans! Apply now for a stress-free solution and regain control of your finances.
School expenses
Need help with school expenses? Choose Western Shamrock for personalized personal loans and flexible repayment options. Apply now and secure your future!
Emergency expenses
Need a loan for an emergency expense? Trust Western Shamrock for quick, reliable solutions. Apply now and regain financial stability!
Rent Mortgage
Need a personal loan for rent or mortgage payments? Choose Western Shamrock and apply today for flexible installment plans tailored to your needs!
Holiday expenses

Need a holiday loan? Choose Western Shamrock for manageable installment loans up to $3,450. Apply now and fund your festive expenses stress-free!

Medical bills
Need a personal loan for medical bills or other expenses? Choose Western Shamrock for flexible options and exceptional service. Apply now and secure your financial future!
Vacation travel
Dreaming of a vacation? Get a travel loan from Western Shamrock and make your dream trip a reality! Apply now and discover why we’re the top choice for personal loans.
Car payment
Car Payments Loans
Need a personal loan to cover your car payment or auto related expenses?
Utilities / Bills Loans
Need a personal loan for bills and utilities? Choose Western Shamrock for flexible lending options and exceptional customer service. Apply now and secure your financial future!
What our customer say

Choose Western Shamrock as Your Trusted Lender

We understand the time-sensitivity of financial situations, which is why our team members can contact you with a final loan offer as soon as half an hour after applying. The difference between Western Shamrock and other loan lenders is that we are dedicated to helping you, which is why we assess applicants based on their debt-to-income ratio in addition to credit history. Borrowers can make payments in person in the form of cash, checks, money orders, cashier checks or debit cards at a local branch. Contact us to find out how Western Shamrock can help you today!
Traditional Installment Loans
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Begin Your Installment Loan Application Today!

Traditional installment loans, are based on predictable, stable information that you will easily understand. There are no surprises. Western Shamrock traditional installment loan provides:

  • Fixed monthly payments
  • Fixed repayment terms
  • Fixed payments and repayment terms mean you know exactly what to expect. We’ll help you set up affordable monthly payments that fit your budget. Plus, your Western Shamrock installment loan can help you build your credit rating.

Common Questions

We examine the borrower’s stability, ability and willingness to repay the loan, which we assess using budgets and credit reports, among other things. Budgets help us to ensure that the loan is AFFORDABLE. Another consideration is our history with the borrower, many of whom are loyal customers who come back year after year. We look at each application independently and determine our customer’s ability to repay.

Traditional Installment Lenders make fixed rate small dollar loans to consumers which are repaid in equal monthly payments or installments. They are “plain vanilla” loans, fully amortizing, transparent, and have easy-to-understand terms, due dates, and payment amounts.

Western Shamrock considers the customer’s stability, ability to repay, and budget to ensure that the customer can meet the requirements of the loan.

The loan amounts offered are mandated by state statute.
Loan Amounts

State Amount:
Missouri: Up to $1,500.00
Oklahoma: Up to $3,400.00
Texas: Up to $1,700.00

Funds are received in person via check at your branch or by ACH during the loan closing.

Start your loan application now as we strive to make your loan decision within thirty minutes of receiving your application.

You can apply today and provide us with some basic preliminary information. You can also apply over the phone or come directly into one of our branches. Applying for a loan with Western Shamrock is a simple process and we will guide you every step of the way. Before we close your loan we will ask for some basic documentation for verification purposes. These could include:

  • A copy of a valid, government-issued ID (e.g. driver’s license or passport)
  • Proof of residence (e.g., a utility bill, or a signed lease)
  • Proof of income (e.g. paystubs or tax returns)


We may ask for additional items based upon your unique situation. Ready to apply? Start your loan application now.

In all states, you must be at least 18 years of age to qualify for a loan.

At Western Shamrock, we are committed to keeping all the information you provide confidential. Please see the privacy policy on our website for details.

We have slated terms based on the loan amount you were approved for in our branch. We consider each customer’s unique situation and needs. Loan decisions are made based on a variety of factors, including credit history, income, and availability and value of collateral (if applicable).

If your application is turned down, you will receive a notice by email or U.S. Mail.  The notice will include the required disclosures and how to obtain the reasons for your denial.

Most of our customers make loan payments in person. We accept cash, checks, money orders, and debit card payments. Customers can also mail in a check or money order to their respective branch.

The payment terms are set by the size of the loan. Traditional Installment Loans are designed to account for ability to repay and therefore produce affordable monthly payments for your financial situation.

It may be possible to increase your credit limit. All loans are based on your situation. We assess your stability, ability to repay, and budget to ensure you can meet the requirements of a larger loan. As long as you are in good standing and meet these requirements, you may be eligible for a credit limit increase.

Over time as your situation changes you may qualify for an increase. Improvements to your income, reduction of other debts, and a current pay history are all factors for a review of your credit limit.

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