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Big goals with affordable ways to get there.

Life has a way of getting expensive when you least expect it. Whether you're consolidating debt, tackling a home project, covering an unexpected expense, or planning something worth celebrating, an Arise Personal Loan offers competitive rates, flexible terms, and straightforward payments designed for real life.

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UNSECURED PERSONAL LOAN

No collateral. No problem.

Need funds for a major purchase, debt consolidation, home improvements, or an unexpected expense? An Arise Unsecured Personal Loan gives qualified members access to up to $10,000 without putting up collateral. With competitive rates, flexible repayment terms, and convenient online payment options, it's a straightforward way to borrow when life has other plans.

  • Borrow from $500 to $10,000.
  • No collateral required.
  • Flexible repayment terms up to 84 months.
  • Convenient payments through Online and Mobile Banking.
  • Great for debt consolidation, bills, home projects, and personal expenses.
  • Available to members in good standing.
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KEY FACTS
  • Loan amount $500 – $10,000
  • Collateral required None
  • Repayment terms Up to 84 months
  • Payment options Online Banking / Mobile Banking
  • Best for Debt consolidation, bills, personal expenses
  • Membership requirement Good standing required

SHARE SECURED LOAN

Turn your savings into borrowing power.

A Share Secured Loan gives you the flexibility to borrow against your Share Savings balance without withdrawing the funds you've worked hard to build. Your savings remain in your account while helping you qualify for a competitive rate and convenient repayment terms. Whether you're covering an unexpected expense, making a planned purchase, or looking to strengthen your credit profile, a Share Secured Loan can help you move forward without putting your savings goals on hold.

  • Borrow against your Share Savings balance without draining your account.
  • Competitive secured loan rates.
  • Fixed monthly payments that fit your budget.
  • Repayment terms up to 60 months.
  • Convenient payments through Online and Mobile Banking.
  • May help strengthen your credit profile through responsible repayment.
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KEY FACTS
  • Loan maximum Based on Share Savings balance
  • Collateral required Share Savings account
  • Repayment terms Up to 60 months
  • Payment options Online Banking / Mobile Banking
  • Best for Credit rebuilding, covering bills
  • Credit impact Positive, because on-time payments are reported
Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living.

CREDIT BUILDER LOAN

Build credit. Build confidence.

Whether you're establishing credit for the first time or rebuilding after a setback, the Arise Credit Builder Loan helps you create positive financial habits that can pay off for years to come. Make consistent payments, build positive credit history, and take meaningful steps toward your financial goals. No shortcuts. No gimmicks. Just a proven way to build a stronger financial foundation.

  • Designed to help establish or rebuild credit.
  • On-time payments are reported to the major credit bureaus.
  • Fixed monthly payments make budgeting easier.
  • Flexible repayment options.
  • Convenient payments through Online and Mobile Banking.
  • Great for first-time borrowers and members working to improve their credit.
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KEY FACTS
  • Loan maximum Up to $10,000
  • Collateral required No
  • Repayment structure Fixed monthly payments
  • Payment options Online Banking / Mobile Banking
  • Best for Building or rebuilding credit, establishing positive payment history
  • Rate type Fixed rate for the life of the loan

RENT READY

Ready for the keys?

Rent Ready is designed to help cover the upfront costs of securing a new rental, including first month's rent, last month's rent, and security deposits. With a simple application process and fast funding, you'll be one step closer to your next home.

  • Cover First, Last & Security – Get help with the upfront costs of moving into a new rental.
  • Fast & Simple Application – Apply quickly and get the funds you need when timing matters.
  • Flexible Loan Amounts – Borrow based on your qualifying rental expenses.
  • Designed for Renters – Perfect for apartment moves, relocations, and new leases.
  • No Collateral Required – Access funds without tapping into your savings.
  • Proof of Income & Rental Agreement Required – Simple documentation helps us get you .moving faster
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KEY FACTS
  • Loan maximum Up to $10,000
  • Collateral required No
  • Repayment structure Fixed monthly payments
  • Payment options Online Banking / Mobile Banking
  • Best for Building or rebuilding credit
  • Rate type Fixed rate for the life of the loan

OVERDRAFT LINE OF CREDIT

Because your balance doesn't always follow the plan.

Even the most carefully managed budget can run into the occasional surprise. An Arise Overdraft Line of Credit helps protect your checking account by automatically covering eligible transactions when your available balance falls short. There's no scrambling to transfer money, no declined purchases at checkout, and no unnecessary stress. Just a simple, low-cost way to keep your finances moving when life gets a little ahead of your account balance.

  • Automatically transfers available funds when your spending or checking account balance falls short.
  • Pay interest only on the amount you use.
  • Competitive rates with no surprise pricing.
  • Helps prevent declined transactions and costly overdraft fees.
  • Works automatically in the background when you need it.
  • Available through Online and Mobile Banking.
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KEY FACTS
  • How it works Automatic transfer to checking when balance dips negative
  • Interest charged on Only the amount used
  • Rate type Competitive, variable
  • Activation Automatic
  • Best for Avoiding overdraft fees and declined transactions
  • Payment options Online Banking / Mobile Banking

Find your rate with no commitments

Everything we do is completely transparent. Including our rates. Compare them now.

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Find the one that fits your life.

Product Unsecured Personal Loan Share Secured Loan Credit Builder Loan Rent Ready Loan Overdraft LOC
Best for Major expenses Accessible savings Building credit Moving costs Overdraft protection
Loan amounts Up to $10k Savings balance Up to $10k Up to $10k Credit limit
Available terms Up to 84 mo. Up to 60 mo. Flexible Up to 84 mo. Revolving
Collateral required No Yes No No No
Free online & mobile banking Yes Yes Yes Yes Yes
eStatements Yes Yes Yes Yes Yes
Apply Now Apply Now Apply Now Apply Now Apply Now

  • Best for

    Unsecured Personal Loan Major expenses
    Share Secured Loan Accessible savings
    Credit Builder Loan Building credit
    Rent Ready Loan Moving costs
    Overdraft LOC Overdraft protection
    Apply Now

  • Loan amounts

    Unsecured Personal Loan Up to $10k
    Share Secured Loan Savings balance
    Credit Builder Loan Up to $10k
    Rent Ready Loan Up to $10k
    Overdraft LOC Credit limit
    Apply Now

  • Available terms

    Unsecured Personal Loan Up to 84 mo.
    Share Secured Loan Up to 60 mo.
    Credit Builder Loan Flexible
    Rent Ready Loan Up to 84 mo.
    Overdraft LOC Revolving
    Apply Now

  • Collateral required

    Unsecured Personal Loan No
    Share Secured Loan Yes
    Credit Builder Loan No
    Rent Ready Loan No
    Overdraft LOC No
    Apply Now

  • Free online & mobile banking

    Unsecured Personal Loan Yes
    Share Secured Loan Yes
    Credit Builder Loan Yes
    Rent Ready Loan Yes
    Overdraft LOC Yes
    Apply Now

  • eStatements

    Unsecured Personal Loan Yes
    Share Secured Loan Yes
    Credit Builder Loan Yes
    Rent Ready Loan Yes
    Overdraft LOC Yes
    Apply Now

Terms and Conditions

*APY = Annual Percentage Yield effective January 1, 2026. Rates are subject to change. You may be assessed an additional fee by the ATM owner at non-Arise locations. Mobile banking is offered without a fee; message and data rates may apply.

View Terms and Conditions

You're three steps away from the funds you need.

Applying for an Arise Personal Loan is quick, straightforward, and designed around real life. Tell us a little about yourself, let us know what you need, and we'll help you move forward.

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Step 01

Tell us about yourself.

Complete a simple application with your basic information, employment details, and the amount you'd like to borrow.

Step 02

Choose the right loan

Whether you're consolidating debt, tackling a home project, covering an unexpected expense, or funding a major purchase, we'll help you find the loan that fits your goals.

Step 03

Let us take it from here

Submit your application and our team will review it as quickly as possible. Once approved, you'll be one step closer to putting your plans into motion.

Your Personal Loan questions, answered.

The ones we hear most. Answered plainly, without the fine print.

What can I use a personal loan for?
Almost anything. Members commonly use personal loans for debt consolidation, home improvements, medical expenses, major purchases, moving costs, and unexpected bills.
How much can I borrow?
Qualified members can borrow up to $10,000 with repayment terms of up to 84 months. Loan amounts and rates are based on your application and credit profile.
Do I need to be an Arise Financial member to apply?
Yes. Personal loans are available to Arise members in good standing. If you're not already a member, joining is quick and easy.
What's the difference between a Personal Loan and a Share Secured Loan?
A Personal Loan doesn't require collateral and is based on your creditworthiness. A Share Secured Loan uses funds in your savings account as collateral, which may make it easier to qualify for while keeping your savings intact.
Will applying affect my credit score?
Applying for a loan may result in a credit inquiry, which can affect your credit score. If you have questions before applying, we're happy to help.
How quickly can I get my funds?
Once approved, funds are typically available quickly. We'll provide timing details during the application process.
How do I make loan payments?
You can make payments easily through Online Banking, Mobile Banking, or other available payment options.

We're here for you.

Our team is ready to help you reach your goals with personalized support and guidance.

Contact Us
Visit a Branch Find a branch or ATM near you. Find Locations Message Us Get help from our team when you need it. Send a Message Call Us (781) 878-4000
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Sat: 9am – 1pm View All Hours