Other Personal Financing Options

Unsecured personal loans provide a lump sum of cash for virtually any purpose — home improvements, medical expenses, major purchases, or unexpected costs. No collateral required.

• Loan amounts from $1,000 to $100,000
• Fixed rates and predictable monthly payments
• Terms from 12 to 84 months
• Funds deposited as fast as next business day
• No collateral required for unsecured loans

Refinance existing federal or private student loans into a single new loan with a lower interest rate or more favorable repayment terms. Can significantly reduce total interest paid over the life of the loan.

• Combine multiple loans into one payment
• Lower your interest rate with strong credit
• Choose from fixed or variable rate options
• Terms from 5 to 20 years
• No origination fees with many lenders

Roll multiple high-interest debts — credit cards, medical bills, personal loans — into a single lower-rate loan. Simplify your finances and reduce the total interest you pay each month.

• Consolidate credit cards, medical debt, and more
• Single monthly payment instead of many
• Potentially lower overall interest rate
• Fixed payoff timeline for peace of mind
• Can improve credit utilization over time

A HELOC lets you borrow against the equity in your home as a revolving line of credit. Use it for home improvements, large expenses, or as a financial safety net. Interest is often tax-deductible.

• Borrow only what you need, when you need it
• Revolving credit — repay and re-borrow
• Typically lower rates than unsecured loans
• Interest may be tax-deductible (consult a tax advisor)
• Draw periods typically 5–10 years