The main benefit of personal loans is their versatility. While more specialized loans are designed to pay for things like homes, vehicles, and even medical expenses, personal loans can be spent on nearly any financial need you may have. The other big advantage of personal loans is their flexible terms. Personal loans can be as small as you need, and offer the ability to borrow the exact amount you need. Clearview Federal Credit Union offers valuable banking solutions including checking accounts, savings accounts, mortgages, personal loans, home equity loans, credit cards and more. Personal loans are disbursed in a lump sum, and require no application fees and no collateral.
Your APR, monthly payment and loan amount depend on your credit history and creditworthiness. A personal loan is money borrowed from a bank, credit union, or online lender in a lump sum. You’ll normally make set monthly payments until you’ve paid back the debt. A personal loan lets people borrow money for a set amount of time , and pay it back in monthly payments.
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With a number of flexible lending options available, you can select a loan term that fits your budget. A personal line of credit is an easy way to get money when you need it without having to re-apply. You only pay interest on the funds you actually borrow. Sometimes we’re hit with a big bill when we’re simply not prepared for it. Sometimes that big-ticket item we covet goes on sale and we’re a little short on cash. Or you may have higher-rate credit card balances that you want to consolidate into one payment with a lower interest rate.
The products and services offered on this third party website are not provided or guaranteed by Frost. Use the equity in your home to secure a one-time lump sum for major purchases at a lower interest rate than most other banks. Put your home’s equity to work and gain easy, flexible access to a revolving line of credit and pay interest only on the amount you borrow.
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Loans, lines of credit and credit cards are subject to credit approval. You can finance college expenses with many of our lending options, including home equity loans that may provide tax-deductible interest. BB&T offers a variety of loan options with quick approvals and helpful service. Earn rewards for the things you buy every day with a BB&T credit card. The loan amount will be subject to credit approval. Some lenders work directly with service providers.
- At the end of the promotional period, the interest rate will shoot up to its standard rate.
- $196 monthly payment assumes $5,000 loan with 24.0% interest rate over 36 months.
- Check your balance, manage accounts, apply for a loan and more online.
- All origination, servicing, collections and marketing materials are provided in English only.
- The better your credit score, the more likely you are to qualify for a personal loan with the lowest interest rate available.
It also kicks in automatically to protect you from checking account fees. If your balance falls below zero, we’ll deposit $500 into your account to prevent accidental overdrafts. Use it to cover everyday expenses, as an emergency fund, or as checking account overdraft protection. Variable rates are based on your credit performance and reviewed annually. Clearview’s Secured Loans can help you rebuild your credit or make a purchase without draining your savings. With a variety of rates and terms, you can choose what works best for easy personal budgeting. Save time with online account access that lets you view your home equity loan balance, monitor the transaction history and make your payments with free Huntington Bill Pay.
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Qualified borrowers will enjoy SoFi’s personal loan perks, such as unemployment protection and its no-fee policy. If SoFi sounds like your kind of lender, read our full SoFi review. Eligibility and rates offered will depend on your credit profile and other factors. Rates in the above table include a 0.25% discount for making automatic payments from a bank account. Your actual payments will depend on the actual amount for which you are approved. When you take out a personal loan, you’ll pay no origination fees. And you’re always free to make loan payments ahead, in part or in full.