Personal loans
A fixed-rate loan for the thing that can't wait
One fixed rate, one fixed payment, and a payoff date you can see from day one. No origination fee and no penalty for paying early.
- Personal loan 12 to 60 months from 10.90% APR
Sample rates as of October 2026. Lowest rates assume strong credit.
Why members borrow here
-
01
Fixed rate and fixed monthly payment
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02
No origination fee and no prepayment penalty
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03
Funds can reach your account the next business day after approval
The numbers, all of them
| Loan | Rate | Terms | Worth knowing |
|---|---|---|---|
| Personal loan | from 10.90% APR | 12 to 60 months | Fixed rate, no origination fee, no prepayment penalty. |
| Example | Monthly payment | Total interest | Amount |
|---|---|---|---|
| 24 months | $465.61 | $1,175 | $10,000 |
| 36 months | $326.91 | $1,769 | $10,000 |
| 60 months | $216.93 | $3,016 | $10,000 |
Standard amortization math, principal and interest only. Taxes, insurance, and fees are not included. Sample figures, not a quote.
How it works
- Tell us the amount From $1,000 to $40,000, for 12 to 60 months.
- Get a decision Usually within one business day, with the reason explained either way.
- Sign online or in branch Your payment and total cost are shown before you sign.
- Get the money Deposited to your account, or paid straight to the cards you're paying off.
What you'll need
- A photo ID
- Proof of income: recent pay stubs or tax returns
- If you're consolidating debt, the account statements you want to pay off
You'll need to be a member to borrow. Membership starts with a $5 share and can be opened at the same time.
Questions
What borrowers ask
Every loan is reviewed on its own, and nobody here earns commission on your rate. More answers in the FAQ.
Can I use it to pay off credit cards?
Yes, and it's one of the most common reasons. We can pay the card companies directly so the money goes where you meant it to.
What if my credit is rough right now?
Apply anyway and we'll tell you plainly what we see. If it's a no for now, we'll explain what would change the answer. A share-secured loan, backed by your own savings, is another way to build history.
Is there a penalty for paying it off early?
No. Pay extra whenever you like, or pay it off in full. You only pay interest for the time you had the money.
Good to know about too
- Premier Checking Premier members get 0.25% off a new personal loan rate. Learn more
- TrustLine Card A low-rate card with free balance transfers in your first 90 days. Learn more
- Credit scores, explained What actually moves the number, in plain English. Learn more
Other loans: Auto loans , Mortgages , Home equity line (HELOC)
Get a real number from a real person
A lending advisor will walk through your rate, payment, and total cost before you commit to anything. No obligation, and no rate haggling.
Sample rates for a fictional credit union, as of October 2026. APR means annual percentage rate. Your rate depends on your credit history, the loan term, and the amount. All loans are subject to credit approval, and nothing on this page is an offer or a promise of approval.