Personal Loans for Life Events

Manage unexpected costs with a personal loan

Get the cash you need for unplanned expenses—medical bills, car repairs, home repairs, emergencies, and more. Apply online and have your loan today.

Your solution for life’s curveballs

We can get you a same-day emergency loan to help you manage surprise costs without derailing your finances. Borrow up to $75,000 with a fixed, low rate and a predictable monthly payment.¹

A large or small loan for your needs

From hardships to home repairs, we’ve got your back.

Medical Bills

Cover unexpected medical expenses and manage payments.

Car Repairs

Get back on the road quickly without breaking the bank.

Home Repairs

Address urgent home repairs and prevent further damage.

How it works

Apply Online: Get a personalized rate quote in minutes.

Get Approved: Fast and easy approval process.

Receive Funds: Get the money deposited directly into your account.

FROM OUR COMMUNITY

“Within eight hours, I had the money I applied for in my account. And that is why, even though I no longer live in NH, I continue to bank with Lighthouse Credit Union.”

Diana

A brighter financial future is ahead

A Lighthouse personal loan gives you peace of mind. Focus on what matters most, knowing you have the financial support to handle life’s challenges.

Boost your financial wellness with Enrich

Take advantage of free access to Enrich, our financial wellness program. Get personalized counseling, budgeting tools, and educational resources to help you achieve your financial goals.

Personal loan rates

Current interest rates

Loan Type	Term	APR As Low As¹	Description
Signature Loan (Personal)	Up to 60-Months	11.69%	$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)	120-Months	Certificate rate plus 3.00%	Borrow up to 95% of certificate balance
Credit Builder Loan	Up to 24-Months	7.99%	Minimum loan amount of $500; maximum loan amount of $2,000.

1. Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, credit score, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates. Rate is fixed and will not change during the repayment period.