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Personal Loans and Lines of Credit

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  • Overview

    Personal Loans 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

    Step 1

    Estimate how low your payment could be

    Calculations do not guarantee credit approval.


    Estimate Your Monthly Payment

    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: 01-28-2022

    Personal Loan Rates

    Loan TypeAPR
    Unsecured Closed End As Low As 10.00%

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

  • FAQs

    Frequently Asked Questions

    • 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! Just 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.