Personal Loan and Credit Card Rates

Get approved for a personal loan

Personal Loan Rates

We only offer personal loans in California and Arizona.
Rates effective as of October 22nd, 2021
Loan Type Loan Amount APR* as low as

Personal Loan

(Fixed Rate) Based on credit

$1,000 - $20,000 14.99%

Line of Credit

(Revolving)

$1,000 - $20,000 14.99%

Savings Secured Loan

(Variable Rate)

Up to 100% of available savings Regular Share Rate + 3.00%

Certificate Secured Loan

(Fixed Rate)

Up to 90% of available funds Certificate Rate + 3.00%

Credit Card Rates

Rates effective as of October 22nd, 2021

All loan amounts and rates for VISA consumer and business credit cards issued on or after October 1, 2021 are published by Elan Financial Services and can be viewed on our partner site: Click here to see our current cards and rates.


The below rates only apply to cards issued prior to October 1st, 2021..

Loan Type Loan Amount APR* as low as

VISA Platinum Rewards

Effective October 1, 2021, no new VISA Platinum Rewards accounts will be offered. (Fixed Rate) 25 day grace period, no annual fee

$500 - $20,000 11.96%

VISA Classic I

Effective October 1, 2021, no new VISA Classic I accounts will be offered. (Fixed Rate) 25 day grace period, no annual fee

$500 - $5,000 13.96%

VISA Classic II

Effective October 1, 2021, no new VISA Classic II accounts will be offered. (Fixed Rate) 25 day grace period, no annual fee

$500 - $2,500 14.96%

Savings Secured VISA Classic

Effective June 15, 2021, no new Savings Secured VISA Classic accounts will be offered. (Fixed Rate) 25 day grace period, no annual fee

$500 - $10,000 15.96%

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Incorporated.
*VISA foreign transaction fee up to 1%; $25 late payment fee; and $20 returned payment fee; returned convenience check fee of $20; statement copy fee of $5. Terms, features, programs & conditions subject to change.
*All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary depending on credit profile and the amount financed. Rates and terms are subject to change without notice.