Take Control of Your Finances with an ESL Personal Loan

Funds Available as Soon as the Same Day When Approved

With an ESL Personal Loan, you can consolidate your higher-interest rate debt — giving you one low monthly payment, more financial control, and increased stability.

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Make Smarter Money Moves With:

  • One lower monthly payment, giving you more clarity on your budget.
  • Competitive rates from 9.95%–17.99% APR,1 so you spend less on interest.
  • Flexible repayment terms, with options up to 10 years.
  • No surprises — no origination fees, annual fees, or hidden costs.
  • Fast funding as soon as the same day when approved.
  • Opportunity to potentially earn more each year through our Owners’ Dividend program.2

Choose an ESL Personal Loan for:

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

Ready to streamline your finances? Applying is quick and simple.

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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 20.97% APR3 14.65% APR1
Monthly Payment $341.91 $286.51
7-Year Interest Paid $13,720.36 $9,067.15

ESTIMATED SAVINGS WITH ESL IS $4,653

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.

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 2025