PERSONAL LOANS

We offer a better way to borrow.

Consolidate debt or cover expenses with this smart option.

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Have questions?

Current Personal Loan rates

Personal Loan and Line of Credit Rates
TypeAPR As Low AsMonthly Payment
Secured5.24%‍2$150.84
Personal Line of Credit (FlexPlus)11.99%‍3$200
Personal Line of Credit (Flex)13.49%‍4$200
Savings Secured Loan4.02%‍5$217.17
Accurate as of 07/18/2025

Unsecured Personal Loans

Unsecured Personal Loan Rates
TermAPR‍1 As Low AsPayment Per Thousand
24 Months9.99%$46.14
36 Months10.49%$32.50
48 Months10.99%$25.84
60 Months11.49%$21.99
72 Months12.49%$19.81
84 Months13.49%$11.24
Accurate as of 07/18/2025

Calculators

Save $176 By Choosing Connexus*

Source: Datatrac. Rates as of July 18, 2025

Our Rates

As Low As 10.490% APR for Unsecured – 36 Mo

National average

  11.176% APR for Unsecured – 36 Mo

Big Savings

You Can Save $176 Over the Life of Your Loan
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Why use a Personal Loan?

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“With a sudden expense occurring and having to use a credit card with high interest, coming to Connexus was the logical next step for a personal loan with a lower interest rate. I’ve had loans with Connexus over the years and have ALWAYS had a great experience. Thank you.”

Brenda

Pennsylvania

Benefits of credit card consolidation

Ready to ditch that credit card debt? Use a Personal Loan to consolidate.

With such a difference between Personal Loan rates and credit card rates, consolidating could save you thousands. In fact, the lowest available APR for a Connexus Personal Loan is 9.99%‍1, while the national average credit card APR is 28.67%‍6.

Learn more about Personal Loans

How To Consolidate Credit Card Debt With a Personal Loan

Revolving credit card debt is costly. Learn how a Connexus Personal Loan can help you save big on interest costs and pay down debt faster.

5 Smart Uses for a Personal Loan

Did you know that personal loans are one of the most flexible, affordable options for borrowing funds? They offer lower interest rates than credit cards, and they can cover nearly every expense. This post will look at five scenarios where a Connexus Personal Loan makes sense.

Personal Lines of Credit

A personal line of credit is a great solution if you have unexpected expenses. Our Flex and FlexPlus Lines of Credit are treated as a loan, so you only pay interest on the funds you actually borrow.

Features

  • Multiple interest rate adjustment options — Flex Line of Credit adjusts monthly. FlexPlus Line of Credit adjusts quarterly.
  • Flexible Line Amounts — Flex Line of Credit amounts range from $3,000 to $15,000. FlexPlus Line of Credit amounts range from $5,000 to $25,000.
  • Low payments — Minimum payments are 2% of the balance‍3,‍4.
  • No collateral required — You can feel safe about your borrowing.
  • No annual fees — Fewer fees mean more money in your pocket.
  • Biweekly payment option available — Two biweekly payments equal one monthly payment.
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Available loan features

Debt Protection

We offer life, disability, and involuntary unemployment coverage. See more information.

Start a claim now

FAQs: You Asked. We Answered.

What will my rate be?

Personal loan rates range from 9.99% APR to 18.49% APR. Your rate is determined by many factors, including application information, credit history, and selected loan term and amount.

Can I pay off my loan quicker than the payment schedule?

Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

What is the difference between a Personal Loan and a Personal Line of Credit?

A Personal Loan has a set number of payments called the loan term (for example, 48 months). After you have made all 48 payments your loan is paid off and closed. A Personal Line of Credit has a minimum monthly payment, but no set term. You can advance your loan funds, pay it off, and repeat. It gives payment flexibility by allowing you to make the minimum payment or more, up to the full balance. The line stays open until you request it be closed.

What information do I need in order to complete my application?

To complete your application, you will need to provide:

  • Desired loan amount and term
  • Personal information (name, address, DOB, SSN)
  • Contact information (phone, email)
  • Financial information (monthly income & mortgage/rent)

You can apply online, over the phone, or at any branch location.

Can I protect myself with Life, Disability, and Unemployment coverages on my loan?

Yes, debt protection is available for all Personal Loans and Lines of Credit. See more info about our coverages or start a claim now.