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Celebrating 70 Years of Service

Anything+ Personal Loans

Stress-free borrowing for the things you need.

Whether it’s a destination within sight or an unexpected detour, a Gulf Winds Anything+ Personal Loan offers low rates and no payments up to 45 days. The best part? Get pre-qualified in minutes with no impact to your credit score!

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Personal Loan Rates*
Term APR Range Est. Payment /$1,000 Borrowed
60 months 9.99% - 17.90% $21.24 - $25.34

Maximum loan term will depend on the size of the loan. Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.

Personal Loan Benefits

Get quick funding with no collateral required so you can keep life moving forward. 

  • Pre-qualification with no credit impact
  • Simple, fee-free application
  • No payments up to 45 days
  • Fixed rate and term
  • 24/7 online account access
  • Monthly payment date choice

Get Pre-qualified

Life is unpredicatable. With the Gulf Winds Debt Protection program, your loan balance or monthly payments may be cancelled without penalty or added interest. 

  • Multiple coverage options available to best fit your needs. Must be purchased at time of loan funding.
  • Cancel at any time. If you do so within the first 30 days, we will refund any fees already paid.

Estimate Your Monthly Payment

Term in Months

Monthly Payment


Interest Rate


Please note that these calculators are provided for informational and planning purposes only. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

Do You Need a Personal Loan?

Exploring why you need to borrow money may be the best way to determine whether a personal loan is right for you.

A Gulf Winds Anything+ Personal Loan might be best for you if:

  • You have one-time expenses, such as a home improvement project, special events holiday expenses or debt consolidation.
  • You know how much you need to borrow.
  • You prefer to have the same monthly payment and interest rate throughout your loan term.

Find out how much you can borrow with our quick prequalification that does not impact your credit.

Get Started

Ready to Get Pre-Qualified?

It takes two minutes and does not impact your credit score.
See which one of our low rates you qualify for and how much you can borrow by clicking the box below.

Get Pre-Qualified

I had no idea how easy it was to conduct a consolidation loan over the phone. Leslie was so helpful. Thank You, Gulf Winds.
Jack W.

Personal Loan FAQs

We use a pre-qualification tool that allows us to give you a potential interest rate and loan amount without a hard credit inquiry. A hard credit inquiry will only occur if you accept the offer and agree to submit a full loan application.

We know our members often need money fast, so we make the process quick and easy. From our instant pre-qualification to funding, most members have their cash in hand within 48 hours.

Since we’re a credit union, we focus on helping our members succeed through personalized loan decisions. That means it’s often easier to secure a loan from a credit union like Gulf Winds than it is from a big bank. You can easily find out if you qualify for a loan and how much you can borrow by getting pre-qualified. It only takes 2 minutes and doesn’t impact your credit. 

To read more about how we work to help our members, you can click here. 

You can get an Anything+ Personal Loan for just about anything. Many Gulf Winds members use them for debt consolidation, home improvements, car repairs, medical expenses, and special events like weddings, holidays and vacations.

*Rates as of . Maximum loan term will depend on the size of the loan. Terms from 12 to 60 months. APR = Annual Percentage Rate. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $5 minimum deposit. Some restrictions may apply. Rates and terms are subject to change. The payment on a $10,000 loan would be $214.14 per month. Monthly payment is based per $1,000 at a non-variable interest rate of 10.40% APR with a 60-month term. This equates to $12,866.64 over the life of the loan.

Pre-qualification is a qualifying offer based on a soft credit pull and requires submission of personal information via an easy online application. While pre-qualification shows you what rates you may qualify for with no impact to your credit score, these offers may change based on a full credit check during pre-approval. The pre-approval process will occur upon accepting a pre-qualification offer and will include a review of your credit report and personal information to determine what loan amount and rate you can receive; these rates are good for up to 30 days and require a hard credit pull which impacts your credit score. Pre-Qualified offers are initial, conditional offers and are subject to change based on completion of a final application, verification of information provided and other conditions determined solely by Gulf Winds. Offers are not guaranteed and not a commitment to lend.