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Personal Loans

A personal loan from Accentra is a fixed rate loan that is not secured by any form of collateral. This type of loan can be used for many things such as a vacation, a wedding, school expenses, car repairs, a small home project, debt consolidation or even unexpected expenses. Because it has a fixed rate, your rate will stay the same over your entire loan term giving you peace of mind that your payment will never increase. Also, you can borrow funds for terms as short as 12 months and up to 48 months providing you with a payment that best fits your budget.

Personal Loan rate as low as

6.47% APR*

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $7,500 for term and rate chosen. Other dollar amounts available.
Payment Example: A 48 month $7,500 fixed rate personal loan at 6.47% APR* has an approximate monthly payment of $177.17.

To apply for a new loan click on the button below that applies to you to complete the application.

If you're already an Accentra member but you're not currently enrolled in online banking, please contact us.

Personal Line of Credit Loans

A Line of Credit (LOC) is a flexible way to obtain extra funds for things like home renovations, vacations, unexpected expenses, or even a big screen TV. You may withdraw any amount of funds up to the predetermined, approved credit limit - which is based on your personal financial situation and credit worthiness. Once you've paid it back, you can use it again and again without re-applying. You can access your Line of Credit via home / mobile banking, or in person. Additionally, your line of credit can be set up to have automatic transfers that cover NSF check clearings up to your established limit.

Share Savings and Certificate of Deposit Secured Loans

A shared-secure loan or CD secured loan is a loan that is taken out by a borrower against the amount of money in his or her savings account or certificate of deposit, which can be used for unexpected expenses, debt consolidation, or any other reason.

Members may borrow up to the principal balance plus interest of their Share Savings or Certificate of Deposit. Maximum term for Share Secured Loan is 3 years. The maximum term for a Certificate Secured Loan is based on the certificate maturity.

For those with credit challenges, a share-secured or CD secured loan is a smart alternative when you need to borrow money. The low cost solution is a good strategy to rebuild your credit history and improve your credit rating while providing the funds you need. Your on-time payments will be reported to the three major credit bureaus just as traditional loan payments would be. By always making your payments on time, you will positively impact your credit score.

When should I use a Personal Loan and when should I use a Personal Line of Credit?

The differences between a Personal Loan and a Personal Line of Credit are simple:

Personal Loan: You receive all your funds at once.
Personal Line of Credit: You draw available funds as you need them.

Personal Loan Calculator

This calculator will help you determine the monthly payments on a personal loan.

Loan Amount

Loan Term

Interest Rate

Added Monthly Amt

Loan Amount

Years

$146

Monthly Payment

$609

Interest Savings

$977

Interest to be Paid

Jun 2028

Payoff Date

2500

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