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Personal Loans

Flexible funding to help you reach higher.

Apply now

the funds you need

Whether you want to consolidate debt, protect yourself from the occasional overdraft, or make a large purchase, we’re here to help.

  • Buyout Loans

    Consolidate all your debt into a Reliant buyout loan, with lower interest and just one monthly payment instead of several.

  • One Payment Note

    Pay interest monthly; defer the principal. If you need money upfront and you’re expecting funds to come in later, this may be a fit.

  • Overdraft Line of Credit

    No more bounced checks. With our overdraft line of credit, we’ll advance the money to cover your purchase, fee-free.

  • Personal Unsecured

    A personal unsecured loan can help you finance costs that don’t quite fit any other description. Choose from a variety of loan terms to meet your needs.

  • Share Secured

    You’ve worked hard for your savings. Now they can work for you. Use your money as collateral to get a Reliant loan with a great rate and flexible terms.

  • Certificate Secured

    Do you have a Reliant savings certificate? You can use the balance to secure your next loan, helping you save more through a lower loan rate.

Personal Loans

Loan Type

Terms

APR^

Loan Type

Personal Loan (Unsecured)

Terms

Up to 36 months

APR^

6.99%

Loan Type

Personal Loan (Unsecured)

Terms

Up to 48 months

APR^

7.49%

Loan Type

Personal Loan (Unsecured)

Terms

Up to 60 months

APR^

7.99%

Loan Type

Share Secured

Terms

Up to 60 months

APR^

Pledged Share rate +2.00%

Loan Type

Certificate Secured

Terms

Up to 60 months

APR^

Pledged CD rate +2.00%

Other Loans

Loan Type

Terms

APR^

Listed rates are for automatic payments. Rates for direct bill are 1/2 percent higher than automatic payment rates.

Existing Reliant loans and mortgage-related products are not eligible for buyout loan rate.

Loan rates are current as of 8/19/2020 and are subject to change without notice. Membership eligibility required.

Loan Type

One Payment Note

Terms

Up to 12 months

APR^

9.40%

Loan Type

Overdraft Line of Credit

Terms

Available with checking account

APR^

18.00%

looking to fund a specific purchase

Equipment Loan

Need to purchase lawn and garden equipment? How about a tractor or utility trailer? We’re here for you, with great rates and flexible terms to meet your needs.

Manufactured Housing Loan

Reliant offers financing for manufactured housing, with terms available for both new and used homes.

Amortizing Loan Calculator

FAQs

You can apply online, in one of our nine branches, or with one of our knowledgeable staff members over the phone by calling 800-724-9282 during regular business hours.

If we receive your completed application by 3:00pm on a business day, you will get a decision the same day.

We encourage convenient automatic payment from a Reliant account. You can also make payments through online banking from an account at another financial institution using that FI’s routing & account number.

A Share Secured loan allows you to use your savings balance to serve as collateral to meet your loan needs.

A Certificate Secured loan allows you to use your certificate balance to secure a loan.  Both of these loans types offer low loan rates and flexible terms, all while you are still earning interest on your savings or certificate account.

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800-724-9282

Disclosures

1 Payment protection is available for the following loan types: auto, buyout, home improvement, lawn and garden equipment, tractor and utility trailer loans, personal unsecured, share secured, certificate secured, and manufactured housing.