Take Control of Your Finances with an ESL Personal Loan

Simplify Your Finances & Save Money

Meet your needs today and work toward your goals for tomorrow with an ESL Personal Loan. Whether you’re managing multiple payments, paying down your higher-interest rate debt, or just looking for a smarter way to simplify your finances — it’s time to make it happen.

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Streamline Your Finances With:

  • One lower monthly payment, helps you streamline your finances, consolidate your debt and save more money.
  • Competitive rates from 9.95%–17.99% APR,1 so you spend less on interest.
  • Flexible repayment terms, with options up to 10 years. You choose what works for you.
  • No surprises, meaning no origination fees, annual fees or hidden costs.
  • Fast funding with approvals as soon as the same day, because your financial goals shouldn’t have to wait.
  • Opportunity to potentially earn more each year through our Owners’ Dividend program.2

With ESL, You’ll Get:

  • Fast, flexible funds — there for you when you need them most.
  • Personalized solutions based on your situation.
  • Guidance and support throughout the process.
  • Less stress and more simplicity.
  • An easy application in person, over the phone, or online.

What financial goals do you want to start working toward? Make it happen with an ESL Personal Loan.

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Personal Loan Savings Comparison Chart

  High-Interest Rate Credit Card ESL Personal Loan
Account Balance $15,000 $15,000
Interest Rate 21.16% APR3 14.65% APR1
Monthly Payment $343.65 $286.51
7-Year Interest Paid $13,866.48 $9,067.15

ESTIMATED SAVINGS WITH ESL IS $4,800

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 2025