Personal Loans

A little extra money for whatever life has in mind.

Apply Now Explore Rates

Personal Loans

A little extra money for whatever life has in mind.

Apply Now Explore Rates
Borrow up to $20,000 

with flexible terms.

Lock in a fixed rate 

with predictable monthly payments.

Personal Loans

A little extra money for whatever life has in mind.

Apply Now Explore Rates

For the planned, the unplanned, and everything in between.

A Personal Loan gives you one lump sum to take on a bigger expense without putting up collateral. From consolidating debt to replacing the fridge that picked the worst possible time to quit, you decide where the money goes.

A Personal Loan can help you:

  • Borrow up to $20,000 for the expense at hand
  • Lock in a fixed interest rate for the life of your loan
  • Count on consistent monthly payments that are easier to plan around
  • Skip application, origination, annual, and maintenance fees
  • Pay it off early without a prepayment penalty

Get your funds in hand and plans in motion.

Once approved, your Personal Loan funds can be deposited into your Financial Center account or delivered by check – giving you easy access through Digital Banking, our locations and shared branches, or nearly 5,000 ATMs nationwide.

Your cash. Your call.

There’s no shortage of things life can put on the list. A Personal Loan gives you the flexibility to put the funds where you need them most.

  • Consolidate Debt: Bring higher-interest balances together into one loan and one monthly payment.
  • Make a Big Purchase: Cover the larger purchases you’d rather pay back over time than all at once.
  • Take Care of the Unexpected: Car repairs. Medical bills. A broken appliance. Get funds for the expenses that didn’t exactly ask permission first.
  • Make Something Happen: Renovations, vacations, weddings, and other plans that could use a little more money behind them.

Why Financial Center?

Sometimes a little extra money can solve a pretty big problem. We’ll help you find a way forward that works for the expense in front of you – and the financial life around it.

Real guidance
There's no loan dictionary required here. Our local lending team keeps the process clear, answers the questions that come up, and helps you know what to expect along the way.
Competitive rates
You'll find our Personal Loan have competitive rates to help you spend less on interest and keep more room in your budget.
Trusted advice
The loan may be for today, but your financial future deserves a longer view. Count on Financial Center for everyday direction through our Financial Wellness Hub and one-on-one guidance from our team of financial coaches.

Still deciding?

Let's explore your options together.

Elite Rewards Credit Card
Personal Loan
Home Equity Line of Credit
FlexLine
Everyday spending — purchases, recurring expenses and ongoing convenience
Larger one-time expenses — a vehicle repair, major purchase, wedding, medical expense, or debt consolidation
Larger or ongoing projects — home improvements, renovations, major expenses, emergency funds, or expenses where you want access to funds over time
Peace of mind for the unexpected — access funds to cover emergencies, avoid overdrafts, and bridge temporary cash flow needs.
13.50%APR1
9.99%APR2
7.00%APR3
N/A
Variable
Fixed
Variable
Variable
N/A
Up to 60 months
5 year draw period 10 repayment period
N/A
$20,000
$20,000
$250,000
$5,000

Your financial playbook for real life.

Tools to support your success.

Preventing Identity Theft

In today’s uber-connected online world, the risk of identity theft is hard to avoid. But there are ways to minimize identity theft risks and stay ahead of scammers and thieves who want your personal information.

  4.5 minute read

Read More

Personal loan frequently asked questions

A Personal Loan provides a one-time, lump sum of funds that you repay through fixed monthly payments over a set term.

Personal Loans can be used for almost anything, including debt consolidation, home improvements, medical expenses, or major purchases. With no collateral required and no application or origination fees, they're a flexible way to borrow when you need it most.

You can manage your Personal Loan through Digital Banking making payments and monitoring your balance.

Once approved, your funds can be added to your Financial Center account or delivered via a check. We offer several convenient payment options. You can:

  • Set up recurring payments in Digital Banking
  • Make a one-time payment or transfer funds in Digital Banking
  • Visit a Financial Center location or shared branch
  • Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, requesting a payoff amount, or just have questions, contact us for support.

Thinking even bigger? Your home can help.

If your next project has grown beyond a Personal Loan, your home's equity could help turn a bigger idea into a very real plan.
Home Equity Loans & Lines

All loans subject to credit approval. Subject to underwriting guidelines.

  1. APR - Annual Percentage Rate based on borrower credit score of 780 or higher. APR is variable and based upon an index and margin, will vary with Prime Rate (index) as published in the Wall Street Journal, and will never exceed 25%.

  2. APR - Annual Percentage Rate is fixed and based on borrower credit score of 780 or higher. Promoted rate applies to eligible Loyalty Rewards members with Level 3 | Peak.

  3. APR - Annual Percentage Rate based on borrower credit score of 780 or higher and loan-to-value equal to or less than 80%, single-family owner-occupied property in second lien position. APR is variable and based upon an index and margin, will vary with Prime Rate (index) as published in the Wall Street Journal, and will never exceed 18%. Applicable margin from -0.50% to +6.25%. Additional rate discounts may apply. During the 5-year draw period, minimum payments may be interest-only and may not reduce the principal balance. At the end of the draw period, outstanding balances will be repaid over a 10-year repayment period, during which monthly payments may increase.