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Personal loans for whatever's next.

Big plans, unexpected expenses or something in between? An Arise Personal Loan gives you competitive rates and flexible terms to help make it happen.

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UNSECURED PERSONAL LOAN

No collateral. No problem.

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
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KEY FACTS
  • Loan maximum $10,000
  • Collateral required None
  • Repayment terms Up to 84 months
  • Payment options Digital Banking
  • Best for Debt consolidation, bills, personal expenses
  •  

SHARE SECURED LOANs

Turn your savings into borrowing power.

A Share Secured Loan gives you the flexibility to borrow against your Share Savings or Certificate 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 or Certificate 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 Digital Banking
  • May help strengthen your credit profile through responsible repayment
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KEY FACTS
  • Loan maximum Based on Share Savings/Certificate balance
  • Collateral required Yes
  • Repayment terms Up to 60 months
  • Payment options Digital Banking
  • Best for Credit rebuilding, covering bills

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. An approved line can help cover eligible transactions, subject to your available credit limit. There's no scrambling to transfer money 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 Digital 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 Digital Banking

Coming Soon: CREDIT BUILDER LOAN

Build credit. Build confidence.

Coming this December: Whether you’re establishing credit for the first time or rebuilding after a setback, the Arise Credit Builder Loan is designed to help you build positive financial habits and take steps toward your goals.

  • Designed to help establish or rebuild credit
  • A fresh start for your credit goals
  • A step toward stronger financial habits
  • Coming this December—contact us to learn more
Contact Us To Learn More
KEY FACTS
  • Repayment structure Fixed monthly payments
  • Best for Building or rebuilding credit and establishing positive payment history
  • Rate type Fixed rate for the life of the loan

Coming Soon: RENT READY

Ready for the keys?

Coming this December: 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
Contact Us to Learn More
KEY FACTS
  • Loan maximum Up to $10,000
  • Collateral required No
  • Repayment structure Fixed monthly payments
  • Payment options Digital Banking
  • Best for Moving Costs
  • Rate type Fixed rate for the life of the loan
Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Saving You More Than Money. Move Forward with Confidence.

Find your rate with no commitments.

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

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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.

Compare

Find the one that fits your life.

Product Unsecured Personal Loan Share Secured Loan Overdraft LOC
Best for Major expenses Accessible savings Overdraft protection
Loan amounts Up to $10,000 Varies based on account balance Up to $10,000
Available terms Up to 84 mo. Up to 60 mo. Revolving
Collateral required No Yes No
Digital banking Yes Yes Yes
eStatements Yes Yes Yes
Apply Apply Now Apply Now Apply Now

  • Best for

    Unsecured Personal Loan Major expenses
    Share Secured Loan Accessible savings
    Overdraft LOC Overdraft protection

  • Loan amounts

    Unsecured Personal Loan Up to $10,000
    Share Secured Loan Varies based on account balance
    Overdraft LOC Up to $10,000

  • Available terms

    Unsecured Personal Loan Up to 84 mo.
    Share Secured Loan Up to 60 mo.
    Overdraft LOC Revolving

  • Collateral required

    Unsecured Personal Loan No
    Share Secured Loan Yes
    Overdraft LOC No

  • Digital banking

    Unsecured Personal Loan Yes
    Share Secured Loan Yes
    Overdraft LOC Yes

  • eStatements

    Unsecured Personal Loan Yes
    Share Secured Loan Yes
    Overdraft LOC Yes

  • Apply

    Unsecured Personal Loan Apply Now
    Share Secured Loan Apply Now
    Overdraft LOC Apply Now

Let’s find the right loan for you.

Whether you’re planning ahead or covering an unexpected expense, we’re here to help you compare your options.

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?

No. You can apply before becoming a member, but you’ll need to establish Arise Financial membership before your loan can be granted.

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?
Funding occurs after approval, completion of your loan documents, and satisfaction of any funding requirements. Contact us at (800) 562-7328 for an estimated funding date.
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
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