Personal Loans

A Personal Loan is an unsecured, signature loan that can be used to help you finance just about anything. It’s the loan designed to fit your unique needs. Here is just an example of the many things we can help you finance with an Emerald Personal Loan:

• Bill Consolidation
• Home Improvements or Repairs
• Medical Expenses
• Property Taxes
• Tuition
• Vacation
• Veterinary Expenses
• Wedding Expenses
• And More!

Loans FAQs

 Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

Skip-A-Pay

Personal Loans are Skip-A-Pay eligible! Keep more money in your pocket by skipping one qualifying loan payment each calendar year. Learn more about Skip-A-Pay and submit your application today!

Ready to Apply?

Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you.

Emerald Payment Protection

Lessen the worry of repaying your loan during a time when your income may be reduced or lost due to death, disability from an injury or illness, family leave or involuntary unemployment.  Give yourself peace of mind knowing that your loved ones won’t be left with the burden of your debt.  Emerald Payment Protection may be added to any new or existing loan. 


Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.