Plan for a Better Tomorrow

Consolidate higher-interest rate debt, handle emergency expenses, and work toward all your financial goals with an ESL Personal Loan. You have a vision for your future — we have the support you need as you work toward new financial milestones.

Now is the time.

Consolidate your debt, protect your credit, and save on interest.

APPLY NOW

Choose an ESL Personal Loan for:

  • An effective way to consolidate debt with rate ranges from 9.95%-17.99% APR.1
  • The ability to focus on debt relief, not hidden charges — with zero origination or annual fees.
  • Simpler budgeting and planning with one manageable monthly payment. No surprises.
  • Financial flexibility with repayment options of up to 10 years and funding potentially available as soon as the same day.
  • An opportunity to potentially earn more each year through our Owners’ Dividend program.2

Get a Better Borrowing Experience

APPLY NOW

Why Choose ESL for a Personal Loan?

  • Personalized solutions based on your needs
  • Simpler financial management
  • Guidance throughout the process
  • Clear expectations
  • Easy application in person, over the phone, or online

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 1, 2025, 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