800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Personal Loans

A personal loan can help you cover important expenses, consolidate what you owe or take the next step with more confidence. With clear terms and a fixed rate, you can borrow in a way that supports your financial health.
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Quick Facts

What sets our personal loan apart

With a personal loan, Credit Human can help you handle life’s expenses, even as needs change.

  • Borrow as little as $500
  • Fixed, competitive rates
  • Terms up to 72 months
Compare our personal loans
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Open a personal loan today

Preparing for an expense on the horizon? Whether you’re facing the costs of high-interest debt consolidation or a large unexpected bill, a personal loan can help you get the goods you need when you need them. Loan amounts start as low as $500 with no collateral required. We offer a fixed rate and flexible terms up to 72 months, depending on the amount financed.

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Get resources

How a personal loan can support your financial health

A personal loan can be a helpful tool when used with intention. It can simplify multiple payments into one, create more predictable monthly expenses or help you handle a necessary cost without disrupting your long-term plans. By choosing a loan that fits comfortably within your spending plan, you can reduce stress, stay organized and build confidence in your financial decisions over time.

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Move forward with a loan that fits your needs

Whether you’re handling an expense or simplifying what you owe, a personal loan can help you take the next step with clarity. Start your application to see what options are available to you.
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FAQ

Personal Loans frequently asked questions

Take a look at the most common questions we get about our personal loans. If you have more general questions, or you’re looking for support options, check out our support center.
See more FAQs in our support center
If I'm a member, can I apply for loans in digital banking?

Apply through digital banking

Take advantage of our streamlined application by logging into your digital banking account. Once in digital banking navigate to the Product and Offers menu to get started.

How do I make a payment on my loan?

Loan payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments
  • By mail
  • Over the phone ($10 may apply)
  • In person at a Credit Human location or ITM

Expedited payments can be made

See more FAQs for details specific to your loan type.

Personal loan rates

Rates effective as of 04-06-2026

Term Minimum loan Rate (APR)
1 - 12 months $500 15.06 - 18.00%
13 - 24 months $2,000 15.11 - 18.00%
25 - 36 months $3,000 15.14 - 18.00%
37 - 48 months $4,000 15.17 - 18.00%
49 - 60 months $5,000 15.22 - 18.00%
61 - 72 months $10,000 15.31 - 18.00%

Disclosures

Annual Percentage Rates (APRs) are subject to change. A 0.20% rate discount will be given upon enrollment in automatic payments from any checking or savings account. For additional information on current rates, call our Member Service Center toll free at 800-688-7228. Payment example: For a $3,000 loan for a term of 36 months with a 15.14%% APR, the monthly payment will be $104.20