Flexible Financing for What Matters to You

Personal Loans

Whether you're consolidating debt, covering unexpected expenses, or funding a major purchase, we have a loan to help you move forward.

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Loans That Work for Your Life

At 3Rivers, we understand that life doesn't always fit into neat categories. That's why our personal loans give you the flexibility to borrow for what matters most—whether it's consolidating high-interest debt, covering medical expenses, financing home improvements, or handling unexpected costs.

Flexible Lending Options

Find the Right Personal Loan for You

Explore the personal financing solutions designed to fit your unique financial situation and help you reach your goals.

Unsecured Line of Credit

Revolving credit line with flexible access
Only pay interest on what you borrow
Reusable funds as you pay down your balance
Perfect for ongoing expenses or emergencies

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Unsecured Term Loan

$5,000 minimum loan amount
Ideal for debt consolidation or personal expenses
Predictable monthly payments you can count on
Fast approval and funding process

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Disclaimer
¹1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%.

Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 48 month loan with an interest rate of 11.99% would be 12.66%. Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 60 month loan with an interest rate of 12.49% would be 13.04%. Assume you will borrow $15,000 with $149 loan processing fee; the loan amount will be $15,149. The calculated APR on a 72 month loan with an interest rate of 12.99% would be 13.43%.
Unsecured Loans	Term	Rate (As Low As)	APR¹
Unsecured Lines of Credit		12.99%	12.99 - 18%
Unsecured Term Loan	12 - 48 months, $5,000 min loan amount	11.99%	12.66 - 18%
Unsecured Term Loan	49 - 60 months, $5,000 min loan amount	12.49%	13.04 - 18%
Unsecured Term Loan	61 - 72 months, $10,000 min loan amount	12.99%	13.43 - 18%

Benefits That Come with Every Personal Loan

What You Can Expect with a 3Rivers Loan

When you borrow from 3Rivers, you're partnering with a credit union committed to transparent terms and member success.

Competitive Fixed Rates

Fixed rates based on your credit qualifications

Flexible Terms Up to 72 Months

Choose a repayment schedule that fits your budget

Local Lending Decisions

Fast approvals from team members in your community

No Prepayment Penalties

Pay off your loan early and save on interest anytime

Apply Online or by Mobile App

Complete your application from anywhere, anytime

Insurance That Works for You

Protect What Matters Most

Life happens fast. Whether you're hitting the road or relaxing at home, make sure you're covered. Explore insurance options tailored to your needs.

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Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

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Reach our knowledgeable team anytime.

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Stop by any of our 24+ locations.

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Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.

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