Transfer part of your savings to a certificate of deposit (CD) and use it as collateral for your personal loan with partial collateral. You can get a personal loan with a lower interest rate than an unsecured personal loan. Your CD will continue to earn interest and when you pay off the loan both the collateral and the accrued interest will be released. Also, if you enroll in Direct Payment you qualify for a 0.25% discount.

A tailor-made solution:

  • Deposit between 25% to 99% of the loan amount
  • The more you deposit in a CD, the lower your interest rate will be
  • Loans start at $2,000 up to the maximum amount for which you qualify1
  • Terms: 12 to 84 months
  • APR from 7.99%2
  • 0.25% discount on your APR for using Direct Payment2
  • Your CD continues to accrue interest

Loan available only in the U.S. Virgin Islands.

Apply in USVI

You can also apply by calling our Telemarketing Center at 1.888.724.3653.

You must meet the following criteria to apply for a loan:

  • You must be a resident of St. Thomas or St. Croix (US Virgin Islands) or Tortola (British Virgin Islands)
  • You must be at least 18 years old. If you are under 18, you must present an emancipation decree or a marriage certificate

Important documents needed when applying for a loan:

  • Email address (to contact you quickly and easily)
  • Monthly net income – The money you get after deductions (this information appears on your pay stub)
  • Social Security number