Short-Term Loan

• Borrow from $250 up to $1,000 based on credit evaluation.
• No application fees or hidden fees.
• Fast, convenient approval process completed while you wait.
• Access your money just as soon as you’re approved.
• No minimum duration to repay and no prepayment penalties. The maximum period for repayment is six months.

Now you know why an ESL Short-Term Loan is a great way to get the cash you need quickly at an affordable rate. And since your payment history is reported to the credit bureaus, timely repayment can improve or build your credit history.

To learn more, speak with an ESL representative today by calling 585.336.1000 or 800.848.2265.

Requirements:

• An ESL member with a savings account at ESL for the past 90 days.
• At least 18 years old.
• Gross Monthly Salary.

Additional Requirements:

• Currently do not have an open ESL Short-Term Loan.
• Borrow from $250 up to $1,000 based on credit evaluation.
• Maximum of three ESL Short-Term Loans in a six-month period.
• Positive balances in all ESL savings or checking accounts.
• ESL loan payments are current (not more than 30 days past due).
• Not in bankruptcy or in the process of filing for bankruptcy.
• Only one borrower on loan.

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.
 

1. Come into to any ESL branch or call us at 585.336.1000 or 800.848.2265.
2. Declare Gross Monthly Salary.
3. Sit back and relax, because we’ll complete the approval process right while you wait.

It’s a great borrowing solution. And it comes with the award-winning service you expect from ESL.