Save & Consolidate

Whether you're managing financial challenges or protecting your credit — an ESL Personal Loan can help. With fast, flexible funding, you can work toward reaching your financial goals on your terms.

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Signs You Could Benefit from an ESL Personal Loan:

  • You need debt relief, especially from high-interest rate credit cards.
  • You're tired of dealing with hidden charges.
  • You’re looking for simpler financial management with only one monthly payment.
  • You want flexible options with extended loan terms.

Add Up the Money-Saving Benefits

  • Flexible repayment terms up to 10 years.
  • Rates as low as 9.95% - 17.99% APR.1
  • Zero origination or annual fees.
  • Funding potentially available as soon as the same day.
  • The opportunity to potentially earn more each year through our Owners’ Dividend program.2

Why Choose ESL?

  • We’ll take the time to understand your needs and provide personalized solutions based on your situation.
  • You’ll get guidance and support throughout the process, with clear expectations and a simpler journey overall.
  • Easy application in person, over the phone, or online.

Why Wait to Consolidate Debt?

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See How Much You Could Save

Use our loan calculator to see how much you could save by consolidating 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

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 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; https://fred.stlouisfed.org/series/TERMCBCCALLNS, November 2024