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Personal Loans

Loan options to help you build credit, consolidate debt, or pay for large expenses. Compare our popular personal loans.

Overview

  • Not tied to collateral
  • Borrow up to $25,000
  • Fixed payment each month instead of revolving line like a credit card
  • No pre-penalty payments

A Good Option If:

  • You want a convenient way to purchase a large-ticket item you can’t buy with a credit card
  • You want to consolidate loans or pay off your credit cards
  • Trade-off: Interest rate is generally higher than a loan secured with collateral and borrower usually must have a high credit rating
Unsecured Signature Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
Unsecured Signature Loan 8.59% 9.57% $751.14 48

Rates effective as of December 1, 2022, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

Overview

  • Uses your Elements Certificate as collateral
  • Borrow up to the full amount of your Elements certificate at 2% above your current savings rate
  • Lower interest rate than many other conventional loans
  • No fees or Certificate early withdrawal penalties

A Good Option If:

  • You already have an Elements Certificate
  • You want to establish credit, allowing for future credit opportunities
  • You prefer a fixed monthly payment
  • Trade-off: Certificate can not be redeemed until loan is paid off

OVERVIEW

  • Tailored to each adoptive family’s specific needs
  • Range of $5,000-$25,000
  • Allows for extended draw period of 24 months
  • You can take multiple draws when funds are needed
  • Once the draw period is over, you can enjoy lower monthly payments as part of a fixed installment loan for up to 8 years

A GOOD OPTION IF

  • You don't want to drain savings or incurring credit card debt to pay adoption fees and related costs

Overview

  • An initial step on the journey to build your credit
  • No credit qualification requirement
  • 6-12 month repayment term
  • Established with an original loan amount of $500-$1,000 made available for use at the end of the repayment period

A Good Option If:

  • You have little or no credit history and want to establish credit, allowing for possible future credit opportunities
  • You want to build savings and credit for use with a Secured Credit Card
Credit Builder Loan Interest Rate  APR 
Credit Builder Loan 5.00% 5.00%

Rates effective as of December 1, 2022, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.