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Personal Loans

Loans for everything else in life

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  • Fast, friendly service
  • Easy application process
  • Loan options

Check out our Personal Loan Rates

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Pick the loan that’s right for you

With a personal loan, you have plenty of options. Borrow for whatever may be coming up fast or sorely wanted, from last-minute repairs to your dream vacation. We’ve got two loan types so you can pick what works for you. Signature Loans are our most popular type of personal loan. You can borrow up to $40,000, with terms as long as five years*. Share or Certificate Secured Loans let you borrow against your savings account or share certificate at LBS Financial. They are great for building credit or making a big purchase while still letting your savings grow. Loan amounts are based off your savings, and terms last as long as five years**.

 

Choose a team that cares—we make lending decisions in-house.

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FAQs

Log into Online or Mobile Banking and select "Loan Application" on the menu, under "Services." Select the loan type you are applying for (Credit Cards, Personal Loans, Vehicle Loans, etc.). Enter all required information where prompted and submit your application. Within 1-2 business days, and LBS Financial Representative will follow up with you regarding your application.

We want to help you protect your credit rating. If you are currently past due on an account, we want to work with you to resolve the matter.

Members who are past due on a loan payment may receive text messages and emails from us as a friendly reminder that their loan payment has not been received.

These messages will come from the following:

Both communications will include a link for our payment provider, SWIVEL, that you may use to make a payment.

If you are able to make your payment now, there are several ways to pay:

LBS EasyPay — Make a payment to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed directly through Online or Mobile Banking. You may also make a one-time guest payment directly through our website. Learn More.

External Transfers — Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

​Make a Payment by Phone — You may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan.

Visit a Branch — Make your payment in person at any of our seven branches or a Shared Branch location.

If you are not able to pay at this time, it is important that you contact us:
Contact one of our LBS Financial collections representatives to help determine a plan that will get you financially back on track with your loan payments. We have several alternatives which, if you qualify, could get your loan up-to-date thereby protecting your valuable credit rating. To find out if there is a plan that works best for you:

  • Message Us— login to Online or Mobile Banking to send us a secure message.
  • Call Us — Ask for the Collections Department during business hours

In order to make a principle payment, your loan must not have any interest and/or fees due. To submit a principle only payment, log in to Online Banking , select "Transfers & Payments" on the main menu and "Make a Transfer." For a shortcut in Mobile Banking, click on "Transfer" from the bottom menu. Next, select the account where the money is coming from and select the loan where the money is going. You can select the regular payment amount, or enter a custom amount in the amounts field. Next, select the frequency and click "Transfer" and confirm your transfer.

Please note that this does not apply to RE loans, HELOC loans, and Visa loans. For those type of loans, please give us a call.

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.

 

TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society Inc., CUMIS Specialty Insurance Society Inc., American Memorial Life Insurance Company, and Union Security Insurance Company. Payment protection products include debt protection products available through your credit union that are administered by CUNA Mutual Insurance Agency, Inc. and credit life and credit disability insurance products underwritten by CMFG Life Insurance Company.

Share Secured Loan funds can be secured from one or more accounts and can be repaid in one lump sum in one year from borrowing (up to 90% of unencumbered shares) or you may make monthly payments for up to a 5 year* repayment period (up to 90% of unencumbered shares). For Share Certificate Loans, the term of the loan is determined by the maturity date of the certificate—the loan comes due at the same time the certificate matures.

*A Share loan at 3.15% APR for 60 months will have a monthly payment of $18.01 per $1,000 borrowed  or a $54.04 monthly payment based on an amount financed of $3,000.

Signature Loans have a maximum repayment period of 5 years*.

Depending on your credit and other factors, you can borrow up to $40,000.

You can borrow up to 90% of the value of your savings account or share certificate. For example, let's say you have a savings account with us with $5,000. Then, your maximum loan would be $4,500.

Disclosures

*Payment example: A Signature loan for $5,000 with a 60 month term, financed at 12.15% APR, will have a monthly payment of $111.60.

**Payment example: A Share Certificate loan at 5.37% APR for 60 months will have a monthly payment of $19.04 per $1,000 borrowed  or a $57.12 monthly payment based on an amount financed of $3,000. A Share loan at 3.15% APR for 60 months will have a monthly payment of $18.04 per $1,000 borrowed  or a $54.11 monthly payment based on an amount financed of $3,000.