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Personal Loans

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.


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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 7.875% APR*. 

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


Secured Personal Loan

Best for: Building or repairing credit.

Do you have a savings, maxi or certificate account with Central One? You may be able to use the account as collateral to borrow funds. 

Secured personal loans are able to offer a competitive low rate because it is secured. Rates are currently as low as your account's rate + 3% APR.

Terms vary. Call or visit your local branch to learn more.


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.