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Personal Loans

We have partnered with Lending Club to offer unsecured Personal Loans up to $40,000



Fast and easy application

Apply online in just minutes, with no impact to your credit score. You can instantly review the loan offers that you qualify for and then complete your application all online!

Fixed rates and payments with no hidden fees1

All loans feature an affordable fixed rate, which means your monthly payment will never increase!  You can also prepay your loan at any time to eliminate future interest payments without a prepayment penalty or fee.

Single, convenient monthly payment

Loan payments are automatically scheduled each month. You no longer have to remember to pay multiple credit card bills.

A loan that can boost your credit score

By consolidating debt or paying off credit cards, you may improve your credit score. 74% of borrowers experience a FICO score increase three months after obtaining their loan, with an average score increase of 19 points2!  And, of course, checking your rate to view the loan offers you qualify for will not impact your credit score.

Borrowers reduce their rates by an average of 25%3

Borrowers who used a personal loan4 via Lending Club to consolidate debt or pay off high interest credit cards report in a survey that the interest rate on their loan was an average of 25% lower than they were paying on their outstanding debt or credit cards.

Questions before you get started?

Looking for more information? If your question isn’t answered on our Frequently Asked Questions (FAQ) page, please contact us at 1-800-344-7048.


1 Origination fees apply and are deducted from total loan amount.
2 Average credit score change of all borrowers who took out a loan via Lending Club between January 1, 2013, and September 30, 2016, with a stated loan purpose of debt consolidation or to pay off credit cards.
3 Based on responses from 6,279 borrowers in a survey of 95,998 randomly selected borrowers conducted from 01/01/16 to 12/31/16. Borrowers who received a loan to consolidate existing debt or pay off their credit card balance reported that the interest rate on outstanding debt or credit cards was 21% and average interest rate on loans via Lending Club is 15.1%. The origination fee ranges from 1% to 6% and the average origination fee is 5.44% as of Q4 2016. Best APR is available to borrowers with excellent credit.
4 Loans via lending Club are made by WebBank, a Utah-chartered Industrial bank, Member FDIC. Your actual rate depends on credit score, loan amount, loan term, and credit usage & history. By clicking on the link above, you will be sharing with Lending Club and WebBank the fact that you are a Heritage Bank customer. The APR ranges from 5.99% to 35.89%. For example, with a credit grade of A1, you could receive a loan of $10,000 with an interest rate of 5.32% and a 1.00% origination fee of $100 for an APR of 5.99%. In this example, you will receive $9,900 and will make 36 monthly payments of $301.15. The total amount of repayable with be $10,841.40. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.44% as of Q4 2016. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the website. All loans via Lending Club have a minimum repayment term of 36 months or longer.