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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 smart and affordable solutions, 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: Enjoy repayment terms of up to 10 years, allowing you to manage your monthly finances with ease.
  • Competitive Rates: Benefit from competitive rates ranging from 9.95% to 17.99% APR,1 helping you save money in the long run.
  • Simplified Payments: Say goodbye to multiple payments and hello to one lower payment for all your debt, streamlining your financial management.
  • No Fees: Rest easy knowing there are no origination fees or annual fees with ESL Personal Loans, so you can focus on paying off your debt without worrying about additional costs.
  • Earn and Grow With Us: With ESL, your financial success is our priority. Enjoy the potential to earn more each year in your Owners’ Dividend,2 further boosting your financial well-being.

More to Love:

  • Instant Credit Response: Get peace of mind with an instant credit response, so you can make informed decisions about your financial future.
  • Fast Funding: Need funds urgently? ESL has got you covered. Funding is available as soon as the same day, providing you with the support you need when you need it most.

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 $9,000 at 14.65%. Your monthly payment would be $171.91 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 $9,000 21.47% $207.90 7 Years/84 Months $8,463.39
Personal Loan $9,000 14.65% $171.91 7 Years/84 Months $5,440.29
Savings     $35.99   $3,023.10

With smart solutions and fast financing, your journey to financial empowerment starts with ESL Personal Loans.


1: Annual Percentage Rate (APR) ranges from 9.95% to 17.99%. Payment example of a 7-year fixed rate loan amount of of $9,000 at 14.65% APR as of January 2, 2024, 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;, November 2023