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Smart Solutions, Fast Financing

Consolidate higher-interest rate debt and embrace smart, affordable solutions with ESL Personal Loans.

Access lower-interest rate solutions tailored to your needs. Whether you're facing unexpected expenses or seeking to take control of your finances, ESL Personal Loans provide the flexible and accessible solutions you've been searching for.

Add Up the Benefits:

  • Flexible Repayment Terms: Enjoy repayment terms of up to 10 years, allowing you to manage your monthly finances with ease.
  • Low Rates: Save money in the long run with rates ranging from 9.95% to 17.99% APR.1
  • Simplified Payments: Streamline and consolidate all your debt into one lower payment.
  • No Fees: Focus on paying off your debt without worrying about origination fees or annual fees.
  • Earn and Grow With Us: Unlock the potential to earn more each year through our Owners’ Dividend2 program.

More to Love:

  • Instant Credit Response: Gain peace of mind with an instant credit response, allowing you to make informed decisions about your financial future.
  • Fast Funding: Get the support you need when you need it most, with funding available as soon as the same day.

Ready to get started?

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For Example:

With the rise of inflation and the costs of food, gas and utilities, you may find your paycheck isn’t going as far anymore, so you rely on your credit card to fill the gaps for higher bills and future unknown expenses. The challenge is the interest rate keeps increasing, making it more difficult to pay down existing debt.

Say you apply for an ESL Personal Loan and get instant approval for $9,000 at 14.65%. Your monthly payment would be be approximately $171.91 over a 7-year repayment period, including principal and interest.

Compare and calculate how much you could save if you paid off your higher-interest rate credit card 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

Protect your credit and make smart financial solutions with ESL Personal Loans.

1: Annual Percentage Rate (APR) ranges from 9.95% to 17.99%. Payment example of a 7-year fixed rate loan amount of $8,500 at 14.65% APR as of January 2, 2024, 84 monthly payments of $162.36. Actual rates may vary and are subject to credit approval. 

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 2023

ESL is an equal opportunity lender.