PERSONAL LOANS
Get the money you need, right away
Rates as low as
All rates shown are annual percentage rate (APR).*
Personal loans are better at Ent
Quick turnaround
Get your money ASAP — often within 24 hours of applying.
No hidden fees
No application fee or prepayment penalty.
Loan reductions
Set up automatic payments for a 0.25% rate reduction on personal loans.
No collateral
No collateral needed for a personal loan or line of credit.
Need to make a large purchase, consolidate debt or cover unexpected expenses?
An Ent personal loan can help. Choose a loan amount and repayment term that fits your budget and lifestyle.
If you’re not sure how much you need, an Ent personal line of credit may be a better option. You can get up to $3,000 so you can buy what you need, when you need it. Apply now
Related resources
View All
4 min read
Student Loan Forbearance
Student loan forbearance is a period in which you aren’t required to make a payment on your student loans. You can temporarily make a smaller payment, but the principal amount of the loan will continue to accrue interest. Forbearance can help you reduce your monthly expenses in the short term, however, you won’t make any progress in terms of paying off the loan or loan forgiveness. Learn more about student loan forbearance and when to consider this option.
8 min read
What is an IRA and Should I Invest in One?
If you’re getting ready to save for retirement, you may be thinking of opening what’s known as an Individual Retirement Account (IRA). This is a common retirement savings tool to help you make the most of your hard-earned money. There are many different types of IRAs to choose from. Making the right choice all depends on your finances and future plans for your savings.
5 min read
Adjustable-rate and fixed-rate mortgages
The interest rate on your mortgage will either be fixed or adjustable depending on what type of mortgage you choose. A fixed-rate mortgage means the interest rate will stay the same over the entire life of the loan. You will need to pay the same amount every month until the balance is paid off in full. With an adjustable-rate mortgage, the interest rate will vary at regular intervals, which means your monthly payment will also fluctuate. Both types of home loans will help you secure a piece of property, but they come with different terms and conditions that can affect your finances. Read this article to learn more about the difference between fixed-rate and adjustable-rate mortgages.
6 min read
What is Cryptocurrency?
There’s a new form of currency taking the world by storm known as cryptocurrency, or simply “crypto.” It’s a digital form of currency used to purchase goods and services around the world, but it doesn’t behave the same way as traditional cash. Here’s what you need to know about crypto before you invest.
13 min read
Managing Money Personalities
Navigating our finances becomes more manageable when we understand the factors influencing our decisions—our money personalities. Ent Credit Union has developed a comprehensive Money Personality Quiz to uncover the intricate details of our financial behavior. This guide delves into the essence of money personalities. Below, you will discover, understand and identify your unique money personality and learn important strategies to improve your money management.
5 min read
Ways to Transfer Money from One Bank to Another
Money is designed to be spent. You will need to transfer money for all sorts of reasons, but how you transfer can change depending on where you are and where your money is going. There are many ways to send money in the digital age, including traditional wire transfers and online apps that transfer money instantly. Choosing the right method depends on how fast you need to send the money, how much you’re willing to pay, and how you plan to access the funds. Learn more about what money transfer options are available.
10 min read
Step-by-Step Guide to Opening a Checking Account Online
In today's fast-paced world, customers value user experience, including convenience — meaning banking from anywhere, instantly, and 24/7. You can participate and start enjoying the benefits of online banking by opening a checking account online. To learn how to open a checking account, follow along. This simple step-by-step guide shows you how to open your free checking account online and take control of your financial future.
10 min read
How to Use a Credit Card Responsibly
Credit cards offer convenience, security, and even rewards. However, using a credit card without proper planning can lead to high-interest debt and land you in financial hardship. Therefore, it’s important to understand how to use a credit card responsibly. Setting a clear budget, paying off balances in full, monitoring credit scores, and avoiding common pitfalls are essential credit card management techniques. With discipline, you can enjoy the benefits of credit while maintaining control over your finances.
5 min read
Credit Card vs Debit Card: What's the difference
Nowadays, debit and credit cards are used as the primary way to pay for purchases. They are designed to be easy and convenient to use on the go, so you don’t have to carry around large quantities of cash. You can also freeze the card if it is lost or stolen to limit your exposure to fraud. But credit and debit cards work in different ways. A debit card gives you a direct line to the money already in your checking account, while a credit card means buying something on credit. You will then need to pay off the balance on the card plus any interest that has accrued. Credit cards can enhance your credit score, while debit cards do not impact credit history. Additionally, credit cards frequently offer rewards and benefits, such as cash back or points. Learn how to find the right type of card for your situation and ensure you use these two cards responsibly.
12 min read
A Guide to the Different Types of Home Loans in Colorado
Purchasing a home is a dream for many. In this process, understanding the types of home loans in Colorado sets you on the right track to get a mortgage that suits you. Therefore, let's explore the various types of mortgage loans in Colorado and their benefits and eligibility requirements. You will also learn how Ent Credit Union can assist you in home-buying.
10 min read
Free Checking Accounts Near You: What You Need to Know
You might have experienced that sinking feeling when you opened your bank statement and spotted unexpected fees chipping away at your hard-earned money. We've all been there, and it's never a pleasant surprise. Therefore, you might be asking, how can I open a free checking account near me? This guide will walk you through everything you need to know about opening a free checking account in Colorado. You will understand the benefits and why Ent Credit Union is ideal for your banking needs.
6 min read
Report Identity Theft: What to Do If Your Identity is Stolen
Protecting your identity and personal information is especially important in today's digital age. Look for suspicious activity like accounts you didn't open or purchases you didn't make. If you suspect you're a target of identity theft, read this article to learn what steps you can take to help protect yourself.
Ent’s Skip-A-Pay can help when your budget’s a little too tight
Skip-A-Pay is an optional program to defer a consumer loan payment for a $25 fee per skipped loan payment.1
Loans that are eligible for Skip-A-Pay:
Auto loans
Recreational vehicle loans
Motorcycle loans
Personal loans
Still have questions?
1Skip-A-Pay is an optional program to defer a consumer loan payment for a $25 fee, per skipped loan payment. Your loan must be open for one (1) year to be potentially eligible for this benefit. Other qualifications apply. Finance charges will continue to accrue at the rate provided in your original loan agreement during and after the payment deferral. Deferring your payment(s) will result in higher finance charges and will extend the term of your loan(s). You will be required to resume regular monthly payment(s) the following month. GAP claims will not cover skipped loan payments. Please consult your GAP Policy for more information. Offer subject to change at Ent’s sole discretion.
Standard account and credit qualifications apply. All loans subject to final credit approval. Rate includes an automatic payment and electronic notices discount. Rates and terms are subject to change without notice and are dependent upon credit performance. Visit Ent.com/Legal to review Ent's Important Loan Information and Disclosures.