Create More Possibilities with an ESL Personal Loan

Get the Financial Flexibility to Move Forward

Financial flexibility can open doors. Whether you're consolidating debt, managing a major expense, or creating more room in your budget, an ESL Personal Loan can help you move forward with confidence.

When your finances work harder for you, more becomes possible.

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Get More Financial Flexibility With:

  • One lower monthly payment that can help simplify your budget.
  • Low rates from 9.95%–17.99% APR.1
  • Flexible repayment terms, with options up to 10 years.
  • No surprises — no origination fees, annual fees, or hidden costs.
  • Fast funding, with approvals and funding possible as soon as the same day.
  • The opportunity to potentially earn more each year through the ESL Owners' Dividend.2

Why Choose an ESL Personal Loan?

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

Ready to Create More Possibility?

Take the next step toward greater financial flexibility with an ESL Personal Loan. Applying is quick, simple, and could help you move forward with more confidence.

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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, May 2026