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Personal Loans

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Have an unexpected expense and need a quick and affordable loan? Central One can help you get the cash you need with a personal loan or line that's perfect for your situation.

Apply Now or Call 800-527-1017


Personal Signature Loan

Best for: When you need funds fast.

With a Personal Signature Loan from Central One, you can borrow up to $10,000 with a term of up to 5 years and a rate as low as 8.250 % APR*. 

*Annual Percentage Rate (APR) based on creditworthiness, term and other factors. Call 800-527-1017 for details.


Secured Loans

Best for: Building or repairing credit.

Use your savings, money market or certificate account with Central One as collateral to borrow funds*. 

Our Savings Secured and Certificate Secured loans offer competitive low rates. Terms vary. Call or visit your local branch to learn more.

*110% of the loan amount will be held as collateral on Savings/Certificate Secured loans.


Personal Access Line (PAL)

Best for: Peace of mind for those that plan for the unexpected.

With a Personal Access Line (PAL) you can access funds when you need them, no matter what the use. PALs are a variable line of credit and can be as high as $5,000.* 

Additionally, having a PAL at Central One allows you to protect your checking account from accidental overdraft. When an accidental overdraft happens, funds are automatically borrowed from your PAL to fund the overdraft. There is no fee associated with the transfer and you only pay interest on the funds you borrow.

Once you are approved for a personal access line, funds can be borrowed for any reason at any time. It's best to apply for the personal access line before you need funds.

*Based on creditworthiness.

Central One borrowers may qualify for loss of life, disability and unemployment security protection on their Central One loans.

Our Member Protect program provides relief in the event that you lose your job due to no fault of your own, become disabled due to injury or illness, or pass away. This is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. LEARN MORE