What's great about Truity Personal Loans?

Enjoy the convenience of fixed monthly payments and locked-in rates, making it simple to set up automatic payments. Plus, with no prepayment penalties, you have the flexibility to pay off your loan sooner. Manage everything effortlessly through our digital banking platform.

Competitive Rates & Flexible Terms

In-House Servicing

Terms up to 72 months

Consolidate Debt

Build Credit

Personal Loans

For $500 or more

A personal loan from us offers quick approval, competitive rates, and flexible terms to help you get the money you need—when you need it. Whether you're consolidating debt, planning a vacation, or covering home repairs, our personal loan puts your goals within reach.

Apply for a Personal Loan

Advantage Personal Loans

For $5,000 or more

Looking to finance a larger expense or consolidate significant debt? With competitive rates, flexible repayment terms, and fast approval, you can access the funds you need to take on major projects, invest in your future, or cover substantial expenses.

Apply for an Advantage Personal Loan

Skip a Payment

Need a little extra spending money? We can help—just skip your next loan payment!

Log In to Skip Payment

Make a Payment

With our convenient online options, managing your payments has never been simpler.

Make a Payment

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Rates51 as of 03/23/2025

Personal Loan APR Loan Term
Advantage Personal 65 9.25% Fixed, 60 month, Min $5,000
Advantage Personal 65 9.75% Fixed, 72 month, Min $20,000
Personal 30 11.25% Fixed, Up to 60 months, 12 Mon Per $1000

Disclosures

30. Rate subject to credit approval. Personal loan payment example: $5,000 at 11.25% for 60 months=$109.34 per month. Personal loans are cross-collateralized. Terms up to 60 months. Other rates and terms available. See credit union for details.

65. With approved credit. Rates and terms are based on creditworthiness. Advantage Personal loan payment example: $10,000 borrowed at 9.25% APR for 60 months = $208.80 per month; your actual payment may differ based on your qualifying rate, amount borrowed, and loan term. Origination fee is 2.21% of loan amount, not to exceed $300. These loans will be cross-collateralized.

70. By participating in Truity’s Skip-A-Pay program, you request your loan payment(s) are deferred as indicated. You agree and understand that: 1) FINANCE CHARGES will continue to accrue during and after the deferral period; 2) deferring payment will result in higher total FINANCE CHARGES than if payment were made as originally scheduled; 3) payment deferral will require extra payments past the original maturity date; 4) elected GAP or Warranty Coverage will not be extended beyond the original maturity date; 5) payments will resume the following month; 6) there is a $38 fee; 7) If you have an ACH initiated with another financial institution that automatically makes your payment, you will need to contact that institution to stop payment. If you have an ACH initiated with Truity that automatically pulls money from another financial institution, you will need to contact us to stop payment at least 4 days prior to the next due date of the Auto Pay; 8) if we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next payment. Deferrals subject to approval. Loan(s) must be in good standing to accept this offer. Restrictions may apply. Excludes real estate loans, single payment loans & lines of credit.

75. The calculators on this website are being provided for educational purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of a member’s eligibility, rates, or terms for a specific product or service.