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.
Manage unexpected costs with a personal loan
Get the cash you need for unplanned expenses—medical bills, car repairs, home repairs, emergencies, and more. Apply online and have your loan today.
Your solution for life’s curveballs
We can get you a same-day emergency loan to help you manage surprise costs without derailing your finances. Borrow up to $75,000 with a fixed, low rate and a predictable monthly payment.1
A large or small loan for your needs
From hardships to home repairs, we’ve got your back.
How it works
- Apply Online: Get a personalized rate quote in minutes.
- Get Approved: Fast and easy approval process.
- Receive Funds: Get the money deposited directly into your account.
FROM OUR COMMUNITY
“Within eight hours, I had the money I applied for in my account. And that is why, even though I no longer live in NH, I continue to bank with Lighthouse Credit Union.”
Diana
A brighter financial future
is ahead
A Lighthouse personal loan gives you peace of mind. Focus on what matters most, knowing you have the financial support to handle life’s challenges.
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: May 21, 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.