Skip To Content

Smart Solutions, Fast Financing — Your Path to Debt Consolidation and Financial Empowerment

Consolidate higher-interest rate debt, save money, and embrace financial empowerment. ESL Personal Loans provide a smart and affordable solution, ensuring that you not only cover your expenses but also set yourself on a path to long-term financial success.

Money-Saving Benefits:

  • Flexible repayment terms up to 10 years to help you manage your monthly finances
  • Rates range from 9.95%-17.99% APR1
  • One lower payment for all your debt
  • No origination fees or annual fees
  • Potential to earn more each year in your Owners’ Dividend2
  • Get an instant credit response
  • Funding available as soon as the same day

For Example:

With the rise of inflation and the costs of food, gas and utilities, you may find your paycheck isn’t going as far anymore, so you rely on your credit card to fill the gaps for higher bills and future unknown expenses. The challenge is the interest rate keeps increasing, making it more difficult to pay down existing debt.

Say you apply for an ESL Personal Loan and get instant approval for $8,500 at 14.65%. Your monthly payment would be $162.36 over a 7-year repayment period, including principal and interest.

Compare and calculate how much you could save if you paid off your higher-interest rate credit card with an ESL personal loan.

Personal Loan Savings Comparison Chart3

  Amount Owed Interest Rate* Monthly Payment
(principal and interest)
Time to Payoff Interest Paid
Credit Card $8,500 21.19% $194.89 7 Years/84 Months $7,870.77
Personal Loan $8,500 14.65% $162.36 7 Years/84 Months $5,138.05
Savings     $32.53   $2,732.72

Ready to experience the benefits? Apply now and embark on your path to debt consolidation and financial empowerment.


1: Annual Percentage Rate (APR) ranges from 9.95% to 17.99%. Payment example of a 7-year fixed rate loan amount of $8,500 at 14.65% APR as of January 2, 2024, 84 monthly payments of $162.36. Actual rates may vary and are subject to credit evaluation.  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;, August 2023