Personal Loans
A personal loan provides a lump sum that may be used for large expenses — such as debt consolidation, paying off medical bills or finally taking that well-deserved family vacation.
As a credit union, we share our profits with our members in the form of low interest rates on lines of credit.
No Collateral Required
Skip up to two monthly payments per year on qualified loans at any time that’s right for you.21
No Prepayment Penalties
Securely manage your account and credit score, from either your computer or smartphone.
Life can take unexpected turns. Debt protection could help pay your loan in case of the unexpected.
| Loan | APR |
|---|---|
| Personal Loan | 12.35% - 18.00% |
Rates effective January 1, 2026.
Legal Disclosures and Additional Information
Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account.
Based on an APR of 12.35%, your monthly payment on a $10,000 loan amount and a 60-month term would be $225.24.
Amount available determined by creditworthiness.
Do you own your own home?
A home equity loan lets you borrow up to 95% of your home's value and lock in a low fixed interest rate.
Small-Dollar, Short-Term Loans
When life throws you a curveball and you need easy access to cash, Ascend’s CashPlease® loans are a lower-interest alternative to payday loans.
- Once approved, when will I receive the funds from my personal loan?
As soon as loan documents are signed and any stipulations for obtaining the loan are satisfied.
- What's the difference between a personal loan and a personal line of credit loan?
Our personal loan is a fixed-rate loan with terms up to 60 months. Our personal line of credit loan is a variable-rate, revolving credit line that you can access anytime, for any amount up to your authorized spending limit.
- When I access my personal line of credit, is there a minimum amount I have to withdraw?
No. You can access your personal line of credit loan for any amount up to your authorized spending limit.
Don't see the question you're looking for?
There are three different ways to apply for an Ascend personal loan: