From debt consolidation to home improvement, find the right loan with competitive rates and flexible terms tailored to your needs.
Whether you're consolidating debt, making home improvements, or financing a major purchase, we have a loan for you.
* APR based on creditworthiness. Terms apply.
| Features | Personal Loan | Auto Loan | Home Improvement | Debt Consolidation |
|---|---|---|---|---|
| Loan Amounts | $1,000 - $50,000 | $5,000 - $100,000 | $2,500 - $75,000 | $2,000 - $50,000 |
| APR Range | 6.99% - 18.99% | 5.49% - 14.99% | 7.49% - 19.99% | 8.99% - 19.99% |
| Loan Terms | 12 - 60 months | 24 - 72 months | 24 - 84 months | 24 - 60 months |
| Funding Time | 1-2 business days | Same day | 2-3 business days | 2-3 business days |
| Collateral Required | No | Vehicle | No | No |
| Prepayment Penalty | None | None | None | None |
| Origination Fee | 0% - 3% | None | None | 0% - 3% |
Use our simple calculator to see estimated monthly payments for different loan amounts and terms.
Estimated Monthly Payment
Based on 9.99% APR for 24 months
Our unsecured personal loans are designed for flexibility. Use the funds for almost any purpose - debt consolidation, major purchases, unexpected expenses, or special occasions.
Loans are subject to credit approval. Terms and conditions apply.
Get on the road with competitive auto loan rates for new and used vehicles. We also offer refinancing options to lower your current payment.
Vehicle serves as collateral. Rates and terms based on creditworthiness and vehicle age.
Transform your home with a loan designed specifically for renovations and repairs. No home equity required - these are unsecured personal loans for home projects.
Loan proceeds must be used for home improvement purposes. Verification may be required.
Simplify your finances by combining multiple debts into one manageable monthly payment with a fixed interest rate.
Consolidation may not be right for everyone. Consider the total cost and your ability to make payments.
Get a decision in minutes and funds as fast as the next business day.
Enjoy low fixed rates with discounts for automatic payments.
Choose payment terms that fit your budget, from 12 to 84 months.
Pay off your loan early and save on interest - no fees.
Work with a local loan officer who knows your community.
Your information is protected with bank-grade encryption.
No! When you check your rate with Ashmore Trust, we perform a soft credit inquiry, which does not affect your credit score. Only after you formally apply and accept the loan terms will a hard inquiry occur, which may temporarily impact your score.
Once approved and you accept the loan terms, funds are typically deposited within 1-2 business days. If you have a Ashmore Trust checking account, funds may be available even faster. Auto loans can often be funded the same day for dealer purchases.
Absolutely! There are no prepayment penalties on any of our personal loans. You can make extra payments or pay off your loan entirely at any time without any additional fees. This can save you money on interest over the life of the loan.
Minimum credit score requirements vary by loan type. For personal loans, we typically look for a score of 640 or higher. However, we consider your entire financial picture, including income and existing debts. Even with lower credit, you may still qualify.
Personal loans are intended for personal, family, or household use. For business purposes, we recommend exploring our business loan options, which are designed specifically for business needs and may offer different terms and benefits.
1 Automatic payment discount: 0.25% rate reduction when you enroll in automatic payments from a Ashmore Trust checking account. Offer subject to change.
APR = Annual Percentage Rate. Rates shown are estimated and based on creditworthiness. Your actual rate may vary. Loan approval and terms subject to credit approval. Terms and conditions apply.
Examples: A $10,000 personal loan at 9.99% APR for 36 months would have monthly payments of $322.67. This example is an estimate only.