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Personal Loans & Lines of Credit

Rates as low as5.99% APR1

A personal loan allows a well-deserved vacation

Truliant makes getting a personal loan fast and easy.

  • Competitive rates to save you money
  • Options tailored to your specific needs
  • Adjustable terms to fit your budget
  • 90-day deferred payment2

Whether you’re looking to consolidate debt, make a large purchase or take a vacation, a personal loan or line of credit from Truliant features a great rate, flexible terms and no fees.

Enjoy the flexibility that comes with a Truliant Federal Credit Personal Convenience Loan or Preferred Line of Credit.

Most people think of credit cards first when making a large purchase. However, personal loans typically offer much better rates and terms. When used responsibly, a personal loan or line of credit can help bolster your budget at a competitive rate without putting up your home for collateral.


What should I expect when applying for a personal loan?

  1. Apply at one of our branches, over the phone, or online using our quick, convenient digital application, available virtually anywhere.

  2. Once you apply, we will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied online, you can expect the same personalized attention from one of our Digital Guidance Team members.

  3. Once a decision has been made on your application, we will contact you. If you are approved, your Digital Guidance Team member will contact you to discuss your loan amount, terms and payment information.

  4. Your funds are ready whenever you are.

What is the difference between a personal loan and line of credit?

Personal loans are funded with a lump sum up front that you pay back with a fixed monthly payment over a fixed term. This is the best option for one-time transactions like paying off credit card debt, a car repair, a vacation or other fixed, large expenses.
A personal line of credit is a rotating line where you pay back only what you use, typically at a variable rate. This is better for fluid expenses like ongoing medical costs, a wedding where you don’t have an exact amount or invoice, or similar needs requiring access to funds. Additionally, lines of credit are often used by freelance or commission-based workers who need to supplement their income from time to time.

Truliant offers both options, which feature great rates, flexible terms, and convenience.

What personal loan and line of credit options does Truliant offer?

Truliant offers a variety of personal loans and lines of credit to fit your needs.

Personal Convenience Loans

  • Quickly borrow amounts ranging from $500 to $50,000
  • 6 - 84 month loan terms
  • Apply online 24/7, with approval usually the same day
  • Low, fixed rates starting at just 5.99% APR1
  • Pay down high-interest debt
  • Defer your first payment for up to 90 days2

Preferred Lines of Credit 

  • Variable rates from 10.24% APR1
  • Enjoy a low monthly payment (2% of your balance with a $50 minimum)
  • Apply online 24/7, with same-day approvals in many cases
  • Use as overdraft protection for your Truliant checking account
  • Open a line of credit between $500 and $25,000 to obtain the flexibility you need

Savings Secured Lines of Credit

  • Low, variable rate for greater savings and flexibility
  • Borrow between $500 and $250,000 against the value of your Truliant savings account
  • Apply online 24/7, with same-day approvals in many cases
  • Use as overdraft protection for your Truliant checking account
  • Rebuild or establish your credit using this low-rate option
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Rates and terms are subject to change. Loans are subject to credit approval.
Terms range from 6 to 84 months for a fixed rate Personal Convenience Loan.
The estimated monthly payment for a $20,000, 72-month fixed rate Debt Consolidation loan or a Personal Convenience loan at 7.99% APR is $351.
(1) APR = Annual Percentage Rate. The range of fixed rates for a Personal Convenience Loan is 5.99% APR to 17.99% APR. The range of variable rates for a Preferred Line of Credit is 10.24% APR to 17.49% APR.
(2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the closing date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 60-months. Cannot be combined with other offers.