Bank from anywhere
Bank online or from your phone. We make it easy to manage your money from anywhere.
- Access loan balances
- Make payments
- Track your credit score
PERSONAL FINANCING LOANS
Cover expenses with financing that’s centered around you — because your success is our success.
Financing for any need*
Our loans deliver flexibility for life’s expenses, competitive interest rates, and the
savings of consolidating high-interest debts.
Personal Loan Rates
Current interest rates
| Loan Type | Term | APR As Low As1 | Description |
|---|---|---|---|
| Signature Loan (Personal) | Up to 60-Months | 11.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU) | 120-Months | Certificate rate plus 3.00% | Borrow up to 95% of certificate balance |
| Credit Builder Loan | Up to 24-Months | 7.99% | Minimum loan amount of $500; maximum loan amount of $2,000. |
Effective date: September 19, 2024
Cash when you need it
Get on the path toward better debt management.
From short-term needs to long-term dreams, starting out or starting over, our Personal Financing loans are made to minimize financial stress. Make debt relief a reachable goal with flexible terms and personal guidance from our Customer Service team who can help guide you to the right plan for your budget.
Stress-free loan solutions
A personal loan can be used for anything, from paying for a trip to paying off credit, and we make it happen easily.
Apply easily online
It’s easy to apply for your personal loan online, but we’re always happy to discuss your needs in person at one of our branches.
Improve your credit score with affordable payments
With competitive rates and terms centered around your goals, you can pay down debt and watch your credit score rise.
Take charge of your finances
Disclosures
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
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.
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.
Minimum term during repayment period is 12 months and maximum is 60 months.
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
Rate is fixed and will not change during the repayment period.
1. Disclaimer. Some restrictions apply. Speak to an advisor for more details.