Consumer loans
Consumer loans from Everence Federal Credit Union can help you get the funds you need.
This site is optimized for IE 11 and above. If you are using IE 10 or below, please consider upgrading your browser.
Loan Products
We have your consumer loan needs covered
2.99% APR1
Auto and motorcycle loans
As an alternative to dealer financing, we're here to help you purchase or refinance a new or used vehicle. Plus, take advantage of our express auto loan program.
7.99% APR2
Personal loans
Some loans don't fit into a category – that's why we also offer personal loans.
3.99% APR3
Student loans
Get a student loan for qualified education expenses like tuition, room and board, books and a computer, or combine multiple private student loans into one loan with one monthly payment.
MyNeighbor
My card, My cause, MyNeighbor
Every time you use the MyNeighbor credit card, Everence will donate 1.50% of the transaction amount to the Neighbor - charitable organization - of your choice.
Start banking with Everence
Apply for an auto, personal or student loan online.
Everence Federal Credit Union
2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: 800-451-5719
F: 717-735-8331
E: infocu@everence.com
Download the app: App Store | Google Play
Debt consolidation
The benefits of debt consolidation
Saving money
The simple act of rolling all of your loans into one loan won't necessarily save you money, but you often can get a lower rate than you are currently paying – especially if you have credit card debt.
Simplifying your payments
Making one payment a month is easier than having multiple payments. In addition, we can help set up an automatic payment plan so you don't have to remember to make your payment.
Improving your credit score
Consolidating your loans can improve your credit score by reducing the number of accounts with outstanding balances listed on your credit report.
Decreasing your tax burden
When you consolidate your loans into a home equity loan or home equity line of credit, you may be able to save on your taxes. Interest paid on these real estate products can be used as a tax deduction.4
Everence values
Doing better together
By working with Everence, you help make a difference for our members and community. We live out our values through responsible money management and giving back to others.
Disclosure
1 APR = Annual Percentage Rate. APRs for a 60-month loan currently range from 2.99% APR to 15.99% APR based on credit. Loan payment example: The monthly payment per $1,000 borrowed at 2.99% APR for a term of 60 months would require 60 monthly payments of $17.97 based on 30 days until the first payment. Rates, terms, offers and conditions are subject to change at any time based on market conditions. Your final rate and discounts are determined by your credit history. Approval is subject to meeting established credit criteria.
2 Personal loans available as low as 7.99% APR for qualified borrowers.
3 Student loans available as low as 3.99% APR for qualified borrowers.
4 Consult your tax professional for more details.