Personal Loans

Personal Loans

Pursue you.

Apply now

Take a trip. Build your credit. Fix your ride. Start a side hustle. Whatever you need to do, an Embold Personal Loan can help make it happen.

Apply Today

Options to fit your needs

Personal Loan

With a virtually endless list of ways you can use the funds, an Embold personal loan¹ offers you financing for making life happen. With flexible term options and no collateral required, this might just be the tool you’ve been waiting for.

Share Secured Loan

Could your credit use a little refresh? An Embold share secured loan4 can help you rebuild your credit and get you ready for your next line of credit.

Current rates

<
Personal Loans and Lines

Product

APR2 as low as

Member Perks APR2,3

Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!

Rates effective as of February 15, 2025.

Apply today

Product

Share Secured Loan4

APR2 as low as

3.05%

Member Perks APR2,3

N/A

Product

Personal Loan

APR2 as low as

13.00%

Member Perks APR2,3

12.75%

Product

Personal Line of Credit

APR2 as low as

9.50%

Member Perks APR2,3

N/A

Product

Payday Alternative Loan

APR2 as low as

15.00%

Member Perks APR2,3

N/A

Product

Rental Entry Assistance Loan (REAL)

APR2 as low as

6.00%

Member Perks APR2,3

5.75%

We're here to help

Mobile Banking class="wrapper">

Skip a Payment

Life happens. Most Embold loans allow you to request a skip payment for a low fee. Skip this month’s payment with no impact on your credit score, and use the money you save to get back on track.

Skip a payment
Calendar class="wrapper">

Change Your Due Date

Sometimes arranging your month differently can help you maximize your paycheck-to-payment ratio. If you want to move the due date for your loan, use our handy form and email us, drop it off at any branch, or send it snail mail.

Change my due date
Growth Investments class="wrapper">

Payment Protection

When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment by a little to increase your peace of mind by a lot.

Make an appointment

Let's run the numbers.

Ready, set, go

Don’t wait to tackle your next project or milestone.

Apply now

We're here to help

Call, text or write.
Let's talk
Chat with us online.
Let's chat
Find a branch.
View locations

Disclosures

1) For details, see our Truth in Lending document.

2) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria

3) Member Perks: On your fourth product, take advantage of a 0.25% rate increase on Share Certificates or 0.25% decrease on fixed rate and term loans. $500 closing cost credit on first mortgage loans and $250 closing cost credit on HELOCs and RELOCs. Required products include: a savings account, a checking account, enrolled in eStatements, and one additional deposit or loan product.

4) Share Secured Loan: A loan secured by specific funds in a savings account. This Annual Percentage Rate (APR) is determined by the current dividend rate being paid on the share accounts offered as security, plus 3.00%.

7) Loan approval subject to minimum qualifications. Member must have no previous charge-offs, no negative shares, no more than 10 NSFs, have a verifiable income, no bankruptcies, no loan workouts or modifications, all loans in a current status, and no 30-day late payments. Membership must be open for a minimum of twelve months. No more than one (1) Holiday Loan per membership will be allowed within any rolling twelve-month period.