Interest Rate: 6.4% APR

The Personal Loan Program provides unsecured financing for individuals who need flexible funding without traditional credit-score requirements.

Approval decisions are based primarily on income verification and repayment ability. This allows working individuals, contractors, and self-employed borrowers to access financing responsibly.

Because personal loans do not require collateral, underwriting focuses on income consistency and banking activity.

Requirements

Government-issued ID
Proof of income (pay stubs or deposits)
Active bank account
Proof of address

Loan Terms

Loan Amount: $1,000 – $25,000
Term Length: 12–48 months
Interest Rate: 6.4% fixed APR
Collateral: None
Repayment: Monthly