Personal Loans
Flexible funding to help you reach higher.
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.
|
Loan Type |
Terms |
APR^ |
|---|---|---|
|
Loan Type Personal Loan (Unsecured) |
Terms Up to 36 months |
APR^ 7.99% |
|
Loan Type Personal Loan (Unsecured) |
Terms 37 to 48 months |
APR^ 8.49% |
|
Loan Type Personal Loan (Unsecured) |
Terms 49 to 60 months |
APR^ 8.99% |
|
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% |
|
Loan Type |
Terms |
APR^ |
|---|---|---|
|
Listed rates require automatic recurring payments from a Reliant account or another institution (external account). Member responsible for any Existing Reliant loans and mortgage-related products are not eligible for buyout loan rate. Loan rates are current as of 5/1/2023 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.
