Partially Secured Personal Loan

Lower your annual percentage rate (APR) as you increase your contribution.

Apply now! ¹

Get a lower APR than an unsecured loan by putting a portion of your savings in a certificate of deposit (CD) as collateral.

Reduce APR

The higher the contribution to the CD, the lower the APR could be.

Earn interest

The CD will earn interest and, when paying off the loan, the collateral is released as well as the interest generated.

It offers:

  • New loans from $2,000 to $75,0002
  • The possibility of contributing from 25% to 99% of the amount requested as collateral2
  • A lower APR, the more you contribute as collateral2
  • Loan term from 12 to 84 months, depending on the amount requested and the contribution as collateral2
  • Discount of 0.50% when you enroll in Direct Payment3 
  • 0 payments for the first 90 days4
  • Same-day reply and money, if you qualify5

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

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: