All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, and/or surcharges, and loan term.
Unsecured loans can be used for almost any use. They are also called signature loans or personal loans. These loans are often used by borrowers for small purchases such as computers, home improvements, vacations, or unexpected expenses.
Holidays are just around the corner, and if you're needing more dough, Essential has you covered. Whether you need help affording travel expenses to visit family, or cash to buy presents, our Holiday Loan can help! PLUS, pay nothing for 3 months! Essential's Holiday Loan offers:
APR = Annual Percentage Rate. Holiday loan special only available during promotional time period. 90 day no pay is only available on holiday loan special depending on credit score. Interest will accrue beginning at closing of the loan. Limited time offer. All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, and/or surcharges, and loan term. Offer does not apply to loans currently financed with the credit union. Cannot be combine with any other offer. Loan discounts cannot be applied.
We know cash is an essential part of life, and sometimes we need it immediately. That’s why we offer Ready Cash. Ready Cash helps you cover small, unexpected expenses allowing you to stretch your buying power. Ready Cash is a safe and quick way to buy the things you need now.
Ready Cash is also intended to establish and re-establish credit for members since Ready Cash payment activity will be reported to all three major credit bureaus. While improving your credit, you will also benefit from free financial education through our online resource, BALANCE. Are you ready for Ready Cash? Call 888.369.2207 or visit any branch to apply.
*Initially borrow up to $500. Once you have successfully paid off a Ready Cash Loan, you may then borrow up to $1,000. Fees may apply. See MSR for more information.
When a borrower uses collateral to ensure payback, we classify that loan as a Secured Loan. The collateral may be a home, a vehicle or even money held in a CD or savings account. Essential has many secured loan options available to our members and a variety of loan repayment options.
Secure your loan with a savings or certificate account, or the stock you own, to receive lower rates and favorable terms.