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ESL Personal Loans

Consolidate higher-interest rate debt with a Personal Loan and save money on your monthly payments. It’s a smart, affordable solution to cover expenses with funding available as soon as the same-day.


  • Get an instant credit response
  • Funding available as soon as the same day
  • Flexible repayment terms up to 10 years to help you manage monthly finances
  • Personal Loan rates range from 8.45%-17.99% APR1
  • One lower payment for all your debt
  • No origination or annual fees
  • Potential to earn more each year in your Owners’ Dividend2


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 13.25%. Your monthly payment would be $155.79 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 and apply today!

Other helpful options that may fit your needs:

Home Equity Line of Credit

A flexible ESL Home Equity Line of Credit taps into the equity you already have in your home.

ESL Credit Card

Choose a lower-rate ESL Credit Card.

1: Annual Percentage Rate (APR) ranges from 8.45% to 17.99%. Payment example of a 7-year fixed rate loan amount of $8,500 at 13.25% APR as of August 7, 2023, 84 monthly payments of $155.79. Actual rates may vary and are subject to credit evaluation. 2: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

ESL is an equal opportunity lender.