Unsecured Personal Loan
Planning your vacation, a wedding or retirement? Need some extra cash or looking to consolidate debt and lower your monthly payments? Our personal loans are designed for just that; your personal reasons! We feature extremely competitive rates, flexible terms and quick turnaround. Whatever your heart’s desire may be, this is the loan to help get it.
No Credit Check Loan
Our No Credit Check Personal Loan could help you quickly gain access to funds to help with a needed purchase or expense. Loan amounts from $500 to $1,500 are available (depending on qualifications) with a 12-month repayment term. Direct deposit and a $20 processing fee are required for this loan. Only one No Credit Check Loan may be open per household at a time.
Share Secured Loan
Get the funds you need for a purchase or expense without dipping into your savings or emergency fund. With a Share Secured Loan, you borrow against your own savings account at a loan rate of only 1.50% above the rate you’re currently earning on your savings account! All funds pledged as collateral for the loan will earn dividends quarterly. A Share Secured Loan is also a great way to establish or build credit.
Personal Loan Rates
| Term | APR* (as low as) |
|---|---|
| up to 36 months | 8.24% |
| up to 48 months | 8.24% |
| up to 60 months | 8.49% |
| up to 72 months | 8.99% |
*Subject to loan approval. Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Rates vary by credit and term of loan. Loan repayment terms available from 36 months to 72 months. Maximum APR of 18.00%. Payment example: $5,000 for 60 months at 8.49% APR = $102.56.
No Credit Check Loan Rates
| Term | APR* (as low as) |
|---|---|
| 12 months | 12.99% |
Requires Direct Deposit. $20 processing fee applies. $500 in new money required if using to refinance. $1,500 loan for 12 months = $133.97 payments.