Consolidate & Start Saving with an ESL Personal Loan

Work toward reaching your financial goals — on your terms.

Managing multiple payments, paying down high-interest debt, or just looking for a smarter way to simplify your finances? An ESL Personal Loan is built for where you are right now and where you’re headed next.

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Fast, Flexible Funding That Works for You

  • Lower your monthly payment: Combine debt into one manageable payment.
  • Start saving right away: With rates from 9.95%–17.99% APR,1 you can spend less on interest and keep more in your pocket.
  • Choose a term that fits your lifestyle: Get more breathing room with repayment terms of up to 10 years.
  • Skip the surprise fees: No origination fees. No annual fees. No hidden costs — just a smarter way to borrow.
  • Get your funds fast: With approvals and funding possible as soon as the same day, you don’t have to wait to take action.
  • Earn more along the way: As an ESL member, enjoy 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.

Make moves on your money goals — big or small.

Apply for an ESL Personal Loan today.

Apply Online

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 2, 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, May 2025