Personal Loans
Pursue you.
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 TodayOptions 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
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Product |
APR2 as low as |
Member Perks APR2,3 |
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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 November 11, 2025.
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Product Share Secured Loan4 |
APR2 as low as 3.05% |
Member Perks APR2,3 N/A |
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Product Personal Loan |
APR2 as low as 13.00% |
Member Perks APR2,3 12.75% |
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Product Personal Line of Credit |
APR2 as low as 9.00% |
Member Perks APR2,3 N/A |
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Product Payday Alternative Loan |
APR2 as low as 15.00% |
Member Perks APR2,3 N/A |
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Product Rental Entry Assistance Loan (REAL) |
APR2 as low as 6.00% |
Member Perks APR2,3 5.75% |
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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.
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.
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.
Let's run the numbers.
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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: The Member Perks Program is available to both consumer and business accounts and consists of a 0.25% rate increase on Share Certificates or a 0.25% decrease on fixed rate and term loans. To qualify, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary.
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.