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Your Path to Flexible & Accessible Financing

Access lower-interest rate solutions tailored to your needs with ESL Personal Loans.

At ESL, we understand that every financial situation is unique. That’s why our Personal Loans are crafted to meet your specific needs with rates as low as 9.95% - 17.99% APR.1 Whether you're dealing with unexpected expenses or looking to consolidate higher-interest rate debt, ESL Personal Loans offer the flexibility and accessibility you need.

Add Up the Benefits:

  • Flexible Repayment Terms: Choose repayment terms of up to ten years, giving you flexibility to manage your monthly payments comfortably.
  • No Fees: Focus on reducing your debt without the hassle of origination fees or annual fees.
  • Instant Credit Response: Enjoy peace of mind with an immediate credit decision, helping you make well-informed choices about your financial future.
  • Fast Funding: Access the support you need quickly, with funds potentially available as soon as the same day.
  • Simplified Payments: Consolidate all your debt into a single, lower monthly payment.
  • More Chances to Earn: Unlock the potential to earn more each year through our Owners’ Dividend2 program.

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For Example:

The continued high costs of food, gas and utilities, you may notice your paycheck doesn’t stretch as far as it used to. Turning to your credit card to cover rising bills and unforeseen expenses becomes a necessity, but the increasing interest rates make it harder to pay down your existing debt.

If you apply for an ESL Personal Loan and get instant approval for $9,000 at 14.65%. Your monthly payment would be approximately $171.91 over a 7-year repayment period, covering both principal and interest. With a lower rate, managing your payments becomes easier and more predictable, helping you stay on track financially.

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 21.51% $208.12 7 Years/84 Months $8,481.95
Personal Loan $9,000 14.65% $171.91 7 Years/84 Months $5,440.29
Savings     $36.21   $3,041.66

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, 2024, 84 monthly payments of $171.91. 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, May 2024

ESL is an equal opportunity lender.