Competitive rates and no application fee

With an unsecured personal loan, you can get the cash you need to finance big projects or unexpected expenses. Or you can use your loan to consolidate other debts and simplify your monthly payments. Either way, there’s no collateral required. 

• We offer competitive, affordable rates.  
• There are no application or origination fees. 
• Apply online, by phone, or in a branch.  

Benefits of unsecured loans

With an unsecured loan, your signature is your guarantee. You can get the cash you need without tying up your other assets. 

• Get a fixed rate and term. 
• Know what your payment will be each month. 
• There’s no need to provide any collateral. 
• Use your loan for anything, from home improvement to braces for your kids. 

How long does it take to get a decision on my loan?

In most cases, we can make a decision on your loan application in under 24 hours.  You will receive an email at the address you used in your application notifying you of the decision or you can check your application status online. In some cases, we may need to ask you for more details, and then the process takes a little longer.

What information do I need to apply for an unsecured loan?

You’ll need to provide the following information on your loan application: 

• Name 
• Social security number 
• Physical and mailing address 
• Employment information 
• Gross monthly income 
• Date of birth 

In some cases, we may ask for additional information after you submit your application.  

How will I know if my loan application was approved?

In most cases, we can make a decision on your loan application in under 24 hours.  You will receive an email at the address you used in your application notifying you of the decision or you can check your application status online.

How is an unsecured personal loan different from a secured loan?

With an unsecured loan, we base our decision on your credit history, income, and other criteria. You don’t need to put up any collateral for an unsecured loan. 

With a secured loan, we use the money in your Global Savings or Certificate Account as collateral for your loan. This means that if you can’t make your loan payments, we will use the money in your Savings or Certificate Account to pay back the loan.