Why Choose an ESL Personal Loan?
- Lower Interest Rates: Enjoy rates starting at 9.95%-17.99% APR,1 making it easier to save on interest and manage debt more effectively.
- Flexible Repayment Terms: Choose repayment terms of up to 10 years, giving you flexibility to manage your monthly payments comfortably.
- No Fees: ESL Personal Loans come with zero origination or annual fees. Focus on debt relief, not hidden charges.
- Instant Credit Decision: Make informed financial decisions faster. Our instant credit response gives you the confidence to move forward with your goals.
- Fast Access to Funds: Get the money you need when it matters most — funds could be available as soon as the same day for urgent expenses like car repairs or medical bills.
- Simplified Payments: Tired of juggling multiple debt payments? Consolidate it all into one manageable monthly payment and ease the stress of multiple due dates and interest rates.
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Earn and Grow With Us
When you choose ESL, you’re not just getting a loan; you’re joining a community with the opportunity to potentially earn more each year through our Owners’ Dividend program.2 ESL members have access to more than just loans — they gain resources and support for a stronger financial future.
A Solution for Every Financial Need
Whether you’re looking to consolidate debt, handle urgent expenses, or avoid high credit card interest, an ESL Personal Loan gives a path toward your financial goals.
Explore how much you could save by consolidating your higher-interest credit card debt with an ESL Personal Loan. Use our loan calculator to see your potential savings today.
Personal Loan Savings Comparison Chart3
| |
Amount Owed |
Interest Rate* |
Monthly Payment
(principal and interest) |
Time to Payoff |
Interest Paid |
| Credit Card |
$9,000 |
21.76% |
$209.50 |
7 Years/84 Months |
$8,598.14 |
| Personal Loan |
$9,000 |
14.65% |
$171.91 |
7 Years/84 Months |
$5,440.29 |
| Savings |
|
|
$37.59 |
|
$3,157.85 |
