One Payment. A Clearer Path Forward.

Consolidate Debt & Simplify Your Monthly Payments with an ESL Personal Loan

When your finances feel scattered, it’s harder to move forward with confidence. An ESL Personal Loan helps you simplify what you owe by consolidating higher-interest rate debt into one clear, manageable monthly payment.

It’s a smarter, more streamlined way to stay on track today while building toward what’s next.

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Simplify Your Finances with:

  • One lower monthly payment, giving you more clarity on your budget.
  • Competitive rates from 9.95%–17.99% APR,1 so you spend less on interest.
  • Flexible repayment terms, with options up to 10 years.
  • No surprises — no origination fees, annual fees, or hidden costs.
  • Funds available as soon as the same day when approved.
  • Opportunity to potentially earn more each year through our Owners’ Dividend program.2

Choose an ESL Personal Loan For:

  • Personalized solutions built for your situation.
  • Guidance and support from our team throughout the process.
  • An easy application in person, over the phone, or online.

Ready to streamline your finances? Applying is quick and simple.

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Personal Loan Savings Comparison3

1: Annual Percentage Rate (APR) ranges from 9.95% to 17.99%. Payment example of a 7-year fixed rate loan amount of $9,000 at 14.65% APR as of January 1, 2026, 84 monthly payments of $171.91. Actual rates may vary and are subject to credit approval. ESL is an equal opportunity lender.

2: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

3: Source: Board of Governors of the Federal Reserve System (US), Commercial Bank Interest Rate on Credit Card Plans, All Accounts [TERMCBCCALLNS], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/TERMCBCCALLNS, November 2025