With Collateral  Personal Loan

Get a lower fixed APR than with other loans while earning interest on your collateral.

Apply now! ¹

Use it for all your needs starting at 5.25% APR when you enroll in Direct Payment2

Reduce APR

Use your savings account or a certificate of deposit as guarantee (collateral) to lower the annual percentage rate (APR) and cover your debt.

Earn interest

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


  • APR starting at 5.25% 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 Payment3
  • 0 payments for the first 90 days4
  • Decision and reply on the same day5
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: