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礼品卡 & Reloadable Cards no longer to be offered by 元素 as of December 29 — 了解更多
Holiday Hours - December 2023 & 2024年1月—— 了解更多

个人贷款

Loan options to help you build credit, consolidate debt, or pay for large expenses. 比较 our popular personal loans.

概述

  • Not tied to collateral
  • Borrow up to $25,000
  • Fixed payment each month instead of revolving line like a credit card
  • No pre-penalty payments

A Good Option If:

  • You want a convenient way to purchase a large-ticket item you can’t buy with a credit card
  • You want to consolidate loans or pay off your credit cards
  • Trade-off: 感兴趣 rate is generally higher than a loan secured with collateral and borrower usually must have a high credit rating
Unsecured Signature Loan 感兴趣 率  4月  每月 付款 贷款期限 (个月)
Unsecured Signature Loan 9.84% 9.84% $252.00 48

利率 effective as of December 1, 2023, and subject to change without notice. Each individual's Annual Percentage 率 (4月) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

概述

  • Uses your 元素 证书 as collateral
  • Borrow up to the full amount of your 元素 certificate at 2% above your current savings rate
  • Lower interest rate than many other conventional loans
  • No fees or 证书 early withdrawal penalties

A Good Option If:

  • You already have an 元素 证书
  • You want to establish credit, allowing for future credit opportunities
  • You prefer a fixed monthly payment
  • Trade-off: 证书 can not be redeemed until loan is paid off

概述

  • Tailored to each adoptive family’s specific needs
  • Range of $5,000-$25,000
  • Allows for extended draw period of 24 months
  • You can take multiple draws when funds are needed
  • Once the draw period is over, you can enjoy lower monthly payments as part of a fixed installment loan for up to 8 years

一个不错的选择

  • You don't want to drain savings or incurring credit card debt to pay adoption fees and related costs

Request Information

或打电话 1-800-621-2105

概述

  • An initial step on the journey to build your credit
  • No credit qualification requirement
  • 6-12 month repayment term
  • Established with an original loan amount of $500-$1,000 made available for use at the end of the repayment period

A Good Option If:

  • You have little or no credit history and want to establish credit, allowing for possible future credit opportunities
  • You want to build savings and credit for use with a Secured 信用卡
Credit Builder Loan 感兴趣 率  4月 
Credit Builder Loan 5.00% 5.00%

利率 effective as of December 1, 2023, and subject to change without notice. Each individual's Annual Percentage 率 (4月) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.