Boost your financial wellness with Enrich
Take advantage of free access to Enrich, our financial wellness program. Get personalized counseling, budgeting tools, and educational resources to help you achieve your financial goals.
Take down stressful debt
Apply online and get the funds you need as early as today – whether it’s a large personal loan or just enough to pay down pesky debt. Simplify your payments, lower your monthly costs, and breathe easier.
Your smart debt solution
- Pay less with a low, fixed rate
- Choose a term that suits you, up to 60 months1
- Secure financing of up to $75,000
How can a personal loan help you?
How it works
- Apply: Get a personalized rate quote online.
- Sign: Review and e-sign if approved.
- Consolidate: We’ll pay off your creditors; you make one monthly payment to Lighthouse.
REAL STORIES, REAL SAVINGS
“They are quick to offer multiple options when discussing a loan. They are always professional while being kind and friendly. You get the sense that they don’t only want to do what is right by the company but also want to do right by their patrons whenever possible.”
Donna
Imagine life without debt stress
Combine your high-rate credit cards, medical bill financing, or other loans into one low, fixed monthly payment.
Financial calculators
Banking is better for our members with fair rates, affordable loans, and promising financial futures. And money can do more when put back into projects for affordable housing and helping those that need a hand up.
Personal Financing
- Auto Affordability Calculator
- Credit Card Debt Payoff Calculator
- College Savings Estimator
- Monthly Savings Estimator
- Loan Affordability Calculator
- Loan Rate Calculator
- Loan Payoff Calculator
- Loan Payment Calculator
- Loan Consolidation Calculator
- Auto vs. Home Equity Loan Calculator
- Debit Elimination Calculator
Personal loan rates
Current interest rates
| Loan Type | Term | APR As Low As1 | Description |
|---|---|---|---|
| Signature Loan (Personal) | Up to 60-Months | 11.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU) | 120-Months | Certificate rate plus 3.00% | Borrow up to 95% of certificate balance |
| Credit Builder Loan | Up to 24-Months | 7.99% | Minimum loan amount of $500; maximum loan amount of $2,000. |
Effective date: March 15, 2025
1. Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, credit score, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates. Rate is fixed and will not change during the repayment period.