Personal Loan Rates

Rates effective 10/12/2024

Unsecured Personal Loan
Terms (up to)¹	APR as low as
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Terms (up to)¹ 120 months	APR as low as 11.99%

Deposit Secured Loans
Type	Terms (up to)²	APR
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Type Savings Secured	Terms (up to)² 180 months	APR 3% above deposit rate
Type Certificate Secured	Terms (up to)² 180 months	APR 3% above certificate rate

Payday Loan Alternative
Loan Amount	Term³	APR
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term.
Loan Amount $520	Term³ 5 months	APR 18.00%

Personal Line of Credit
Type	APR
APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. This is a line of credit and when activated the monthly minimum payment is equal to 5% of the balance or $25, whichever is greater.
Type Personal Line of Credit	APR 14.00%

Disclosures

1.: Payment example: $10,000 loan for 60 months at 9.90% APR will have a monthly payment of $223.45.
2.: Payment example: $1,000 loan for 12 months at 3.10% APR will have a monthly payment of $84.85.
3.: The 18% interest rate and an automatic $20 processing fee included in the required loan amount result in a 32% APR. Payment Example: a $520 loan for 5 months will result in a $109.50 monthly payment. A maximum of two loans are allowed per 180-day period. Payment by automatic transfer from an EastRise account is required.