Skip to main content

Compare Personal Loans

  EZ Line of Credit Unsecured Signature Loan Certificate Loan Adoption Loan
Key Benefits

Not tied to collateral

Easy access to funds when you need them

Can be used as overdraft protection on your Elements checking account

Not tied to collateral

Fixed payment each month instead of revolving line like a credit card


Uses your Elements Certificate as collateral

Lower interest rate than many other conventional loans

Tailored to each adoptive family’s specific needs


Credit lines from $500 to $2,500

6-12 month repayment term

Borrow up to $25,000

No pre-penalty payments

Borrow up to the full amount of your Elements certificate at 2%1 above your current savings rate

No fees or Certificate early withdrawal penalties

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

Need to cover unexpected expenses, like car or home repairs or medical bills

Want a revolving credit line that allows funds to be borrowed, repaid and borrowed again

Want a convenient way to purchase a large-ticket item you can’t buy with a credit card

Want to consolidate loans or pay off your credit cards

Already have an Elements Certificate

Want to establish credit, allowing for future credit opportunities

Prefer a fixed monthly payment

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

Add a Personal Loan

Need help choosing the right personal loan?

We are happy to help! Call 1-800-621-2105 or start a live chat (Mon-Fri, 9 am–4:30 pm Eastern).

  1. 1 Rates effective as of August 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.