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Personal Loans and Lines of Credit

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  • Overview

    Loans & Lines of Credit made more personal.

    For the exciting, the unexpected, and everything in between. We understand that there are times in life when you need a little bit extra. Personal loans and lines of credit give you the funds to handle the expenses of life, whatever they look like. Use a personal loan to quickly get money, and use a line of credit to have approved access to funds when you need them without filing a new application. Choose from a variety of repayment terms that work for your budget and situation. Let’s talk about a personal loan today.

    • Fund your expenses, last-minute purchases, and everything you might need.
    • Trusted local loan processing
    • Friendly service understands your situation
    • Repayment terms that fit your budget
    • Lines of credit for financial peace of mind

    Personal Loans

    A personal loan is an installment loan. You receive a lump sum of money once you’re approved, and then you make fixed monthly payments with interest throughout the predetermined loan term.

    • Installment
    • One-time lump sum
    • Fixed interest Rate
    • Pre-determined term

     

    Personal Lines of Credit

    A personal line of credit is a type of revolving credit, like a credit card. You can access funds up to a set limit, but you don’t have to use them all right away. You make monthly payments with interest on only the amount you used, and you can continue to utilize your credit line during the “draw” period.

    • Revolving
    • Variable
    • Ongoing Access
    • Open Ended

    Step 1

    Estimate how low your payment could be

    Calculations do not guarantee credit approval.

    Payment

    Estimate Your Monthly Payment
    How much is the loan you want?
    $
    How's your credit?
    How's your credit?
    How many months do you want the loan for?
    How many months do you want the loan for?

    This calculation represents an estimate.

    Step 2

    Get pre-approved

    Getting pre-approved for a loan saves time and energy so you’ll know exactly how much you’re able to spend.

    Step 3

    You might also be interested in…

    Loans from a trusted source

    Fund your expenses, last-minute purchases, and everything you might need. Our friendly staff can help you understand your options and get you the cash that you need.

    Get Started
  • Rates
    Rates Effective as of: 03-23-2023

    Personal Loan Rates

    Loan TypeAPR
    Lines of CreditAs Low As 11.99%
    Life Happens 36 MonthsAs Low As 10.99%
    Life Happens Plus 48 monthsAs Low As 12.99%

    APR = Annual Percentage Rate. To apply, view our loans page.

  • FAQs

    Frequently Asked Questions

    • Use our online Loan Payment Center
    • Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
    • Account to Account electronic transfers - If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
    • Set up an ACH transfer with your primary financial directly to your Centricity loan
    • Set up automatic payments from your Centricity account directly to your loan
    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733
    Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.
     If you ever have questions about whether a loan type applies to your specific situation or project, please get in touch with us! We’d love to talk through it with you.