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Personal Loans

Home improvements, the chance to get a lower interest rate by consolidating your debts, a much-needed vacation, or an unforgettable wedding… there are a lot of ways a personal loan can help you manage your finances. 

I found a great rate, easy application process, and lots of payment options.

Apply for your ESL loan today.
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  • Features & Benefits

    Personal loans from ESL are straightforward to help you reach your goals:

    • Our competitive rates lower the cost of borrowing
    • Our fixed rates improve financial planning because you’ll always know the amount of your monthly payments
    • Choose from a variety of flexible terms ranging up to 120 months.
    • No prepayment penalties
    • Low cost credit life and disability insurance available to provide extra financial protection

    To simplify budgeting and planning, our loans come with a fixed due date each month and a variety of payment options:

    • Automatic transfers (AutoSweep) from your ESL savings or checking account
    • Automatic debits from a checking or savings account at any financial institution
    • ESL Online Banking 
    • Transfers from your ESL checking or savings account made with our automated, easy-to-use telephone banking service: TEL-E$L

    You can also make payments in any ESL branch, by calling 585.336.1000, or by using chat banking.

    ESL Personal Loans cannot be used for educational purposes.

  • Rates

    Personal Loan

    Term in Months
    Annual Percentage Rate (APR) as Low as
    Term in Months Up to 48
    Annual Percentage Rate (APR) as Low as9.24%
    Term in Months 49 - 60
    Annual Percentage Rate (APR) as Low as9.95%
    Term in Months 61 - 120
    Annual Percentage Rate (APR) as Low as 11.95%

    Rates accurate as of

    ESL Personal Loans cannot be used for educational purposes.
  • Fees
    Potential Loan Late Fees After Opening Your Account

    Loan late fees vary. Below are the late fees for new loans issued. Contact an ESL Representative by phone at 585.336.1000 or 800.848.2265, use chat banking, or visit an ESL branch to determine your late fee for a loan issued previously.

    Personal Loans
    Late fees of 10% of the overdue payment of interest and principal are charged if we do not receive the full monthly payment 15 calendar days after the scheduled due date.

  • How to Apply

    It’s easy to apply. 

    Please remember that borrowers and co-borrowers must be at least 18 years old to apply.