With Collateral  Personal Loan

Get a fixed APR while earning interest on your collateral.

Apply now! ¹ Call 1.888.724.3653

Use it for all your needs starting at 6.24% APR when you enroll in Direct Payment2

Reduce APR

Use your savings account or a certificate of deposit as guarantee (collateral) and get a fixed APR at the term you choose.


Earn interest

When you finish paying the loan, the collateral is released, in addition to the interest generated.


  • APR starting at 6.24% when you enroll in Direct Payment2
  • Earn interest on the loan collateral2
  • Apply from $2,000 up to the maximum contributed as guarantee2
  • Terms range from 12 to 120 months, depending on the amount requested2
  • Discount of 0.25% when you enroll in Direct Payment2
  • 0 payments for the first 90 days3
  • Decision and reply on the same day4
Apply now! ¹

How to start the
personal loan application process?

To apply you must:

  • Be a resident of St. Thomas or St. Croix (U.S. Virgin Islands) or Tortola (British Virgin Islands)
  • Be age 18 or older. If you are under 18, you must submit an emancipation or marriage certificate
  • Provide your email address
  • Provide your Social Security number

Apply by phone: