Personal Loans

The right loan can help you take advantage of opportunities and meet your goals.

Man standing in front of a mountain.
Borrow with confidence

Personal loan options that work for you.

Personal Loans

Best for: One-time expenses.

  • Receive a lump sum upfront
  • Fixed rate and fixed monthly payment
  • Terms up to 60 months
Apply Now

Personal Line of Credit

Best for: Ongoing expenses.

  • Borrow what you need, when you need it
  • Pay interest only on the amount used
  • Variable rate, no set term
Apply Now

Share Secured Loan

Best for: Building credit.

  • Borrow up to your share savings balance
  • Fixed interest rate
  • Savings pledge decreases as the loan is paid down
Apply Now

Certificate Secured Loan

Best for: Lower-rate borrowing.

  • Borrow against your certificate balance
  • Rate is your certificate rate + 2.50%
  • Certificate pledge decreases as the loan is paid down
Apply Now

Check your application status.

If you’ve already applied, log in to see the latest updates on your application.

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Personal loan calculator

Calculate the total cost of your personal loan (principal + interest) and the monthly payments needed to pay it off by the end of the term.

Estimate

Rates

Personal Loans
Personal Line of Credit
Rates as low as
10.75% APR
Rate type
Variable
Term
No set term
Personal Loan
Rates as low as
8.25% APR
Rate type
Fixed
Term
12 months
Personal Loan
Rates as low as
9.99% APR
Rate type
Fixed
Term
up to 60 months
Lift Credit Builder
Rates as low as
5.00% APR
Rate type
Fixed
Term
up to 36 months
APR is lowest rate offered as of 12/11/2025. Actual APR will vary based on borrower’s credit worthiness and underwriting factors.
 
Personal Line of Credit: APR varies with the market. Variable rate loan.
Personal Loan: Payment example: Based on a loan amount of $2,000.00 for 12 months at 8.25% a monthly payment would be approximately $174.73 per month. Based on a loan amount of $2,000.00 for 60 months at 9.99% a monthly payment would be approximately $42.48 per month.
Lift Credit Builder: Fixed-rate, secured-term loan. Using the loan amount, the money is placed in your Share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your Share account will be used to pay off the loan. Minimum borrowed amount is $500. Payment example: Based on a loan amount of $2,000.00 for 36 months at 5.00% a monthly payment would be approximately $60.07 per month. 

FAQs

See all FAQs

How do I open a new account or apply for a loan/credit card?

You can open a new deposit account, apply for a credit card, or apply for a loan — including mortgages — right from the website.

You can also apply in online banking or the mobile app.

  • From your home screen, click/tap Open Accounts & Loans within the Services section, located at the top of the page on desktop or the bottom of the page on mobile. You will be directed to an external link to complete the account opening, loan, or credit card application process.
  • Click/tap Continue.
  • Then, select Existing Member Account to open a deposit account (checking, savings, premium money market, or certificates) or select the type of loan or credit card.
  • Follow the prompts provided. 

You will also be able to check the status of an application by clicking/tapping the corresponding link. 

If I am pre-approved for a personal loan, what are the next steps?

Once you receive your approval, your loan documents will be emailed to you. After you sign and return them electronically, the funds will be deposited into your Primary Share account.

If you have questions, you can check your application status online or call (800) 552-4745.

How do I check the status of my loan or deposit application?

You can check your loan or deposit application status at this link. If you need help or have questions, call us at (800) 365-3279.

How do I make a loan or credit card payment?

If you bank with Everwise, log in to online or mobile banking to make your payment.

If you’re paying from a non-Everwise account, use the Online Loan Payment Portal.

See more about Online Loan Pay and other payment options here.

Explore other personal banking solutions

Checking Accounts

Checking

Our accounts come packed with features that make managing your money easier and more rewarding.

Savings Accounts

Savings Accounts

A wide variety of accounts to accommodate every savings strategy.

Auto Loans

Vehicle Loans

You deserve to be a happy motorist, with low rates, speedy loan processing, and friendly service from us.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.