Money when you need it

Manage life's expenses with an Ent Personal Loan

With an Ent Personal Loan

 

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Rates as low as
All rates shown are Annual Percentage Rate (APR).*

Personal loans made simple

The loan for your lifestyle

The reasons for a personal loan are as unique as you are. Whether you want to consolidate debt and save on interest, start that home improvement project, pop the question, or take a much needed vacation, we’ve got you covered. We pair you with the best terms for your financial situation so you can live more and worry less. And we won’t make you wait — in most cases you’ll have access to your money within a day of completing your application.

 

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Estimate my payment:

Get started on your plans with this free calculator so you’ll be ready to complete the online application process. Based on the amount you’d like to borrow, it will help you determine your interest rate, your repayment term duration, and how your estimated total monthly payment will break down into principal and interest.

Apply in four easy steps:

 

  1. Decide how much money you’ll need
  2. Submit your loan application online
  3. eSign or visit a center to close your loan
  4. Access your money in as little as 24 hours

 

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Have questions? We have answers.

Although we can’t advise you on life’s big plans, we are more than happy to answer any personal loan questions you may have.

800-525-9623, Option 3

 

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Personal Loan FAQs:

A personal loan is known as an unsecured installment loan, meaning that it isn’t backed by any collateral like a home, car or other valuable personal property. You’ll simply pay back your personal loan in equal monthly payments at a fixed interest rate within a set period of time. Personal loans typically have much lower interest rates than credit cards, which is why they are ideal for larger purchases that will take more than a couple billing cycles to pay off.

Personal loans can be used for many purposes. The No. 1 reason people get a personal loan is to consolidate debt, reducing multiple bills to one monthly payment and saving money on higher credit card interest rates. But they are also commonly used for home improvements, vehicle repairs, medical expenses, paying off credit cards, weddings, large purchases and even vacations.

We look at your credit report, income, monthly cash flow and other debt you may have to determine if you qualify for a personal loan. Credit scores are important because a higher score usually gives you access to a lower interest rate. These factors all help to determine the total amount of money you can borrow and your repayment terms.

You’ll likely be able to get your money within 24 hours of submitting your application. The process could take longer depending on a variety of factors, but usually not more than a week.

If you own your home and have been making regular mortgage payments for several years, a home equity line of credit (HELOC) may be an even better borrowing option for you. It's essentially a second mortgage that uses your home as collateral. A HELOC typically offers a lower interest rate, gives you access to larger amounts of cash, and allows you to draw money as needed up to the full loan amount. Plus, you only pay interest on the amount you use.

Learn more about a HELOC and speak to one of our lending specialists to find out which loan is right for you.

800-525-9623, OPTION 3

* APR=Annual Percentage Rate. Fees apply for additional services. Standard account and credit qualifications apply. All loans subject to final credit approval. Minimum loan amount is $5,000 and term must be 36 months or greater to receive the reward. The $100 reward per qualifying personal loan will be deposited into the member’s primary Ent Savings Account within two (2) business days of loan closing and is tax reportable. Account must be in good standing to receive reward. Offer may be withdrawn at any time and is subject to change at Ent’s sole discretion. Offer expires December 31, 2022.