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PERSONAL LOANS

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You’ve got the dream. We’ve got your back.

  1. Pay less when you lock in a low fixed rate
  2. Choose a term that suits you, up to 60 months
  3. Secure financing of up to $75,000

A flexible loan that can save you more

Whether you’re paying for a trip, consolidating debt, or paying off credit, a personal loan can do it all. Apply for your personal loan online today.

  • Use your loan for almost anything
  • Consolidate high-interest debt
  • Improve your credit score with affordable payments
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FROM OUR COMMUNITY

“Lighthouse personal lending is amazing! Jeff assisted me in a quick application, sent over the documents, and my loan was funded in a matter of hours! Extremely easy! Thank you, Lighthouse and Jeff M!”

Tammy S.

Your money does good

Simply by being a member you’re helping to make a difference across our communities.

  • Affordable Housing

    We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

  • Volunteering

    Our employees are given paid time off to volunteer for community programs of their choice.

  • Local Organizations

    We partner with organizations that help to enrich and nourish the lives of our neighbors.

  • Food Access

    We fund programs that help fight food insecurity across our communities.

Bank from your
phone anytime

Bank on the go with our mobile app, and keep it all on track.

  • Access all of your Lighthouse accounts
  • Make easy, secure loan payments
  • Mobile deposit your checks*
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Personal Loan Rates

Current interest rates

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months11.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.

Effective date: November 21, 2024

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Signature Loan

  1. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
  2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. The personal loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

Financial Calculators

Banking is better for our members with fair rates, affordable loans, and promising financial futures. And money can do more when put back into projects for affordable housing and helping those that need a hand up.

Personal Financing

Start making an impact today

Put your money to work, and see the benefits in your accounts and the world around you.

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