Turn your vision into a reality!
Terms from 3-15 years depending on loan amount1
Fixed rates and monthly payments1
Consolidate debt with a lower rate
Interest paid could be deducted from your taxes2
Current Home Equity Rates
| Product Category | Loan Type | 3 year | 4 year | 5 year | 6 year | 7 year | 10 year | 12 year | 15 year |
|---|---|---|---|---|---|---|---|---|---|
| Home Equity Loans | Home Equity | 6.67% | 6.94% | 7.36% | 7.54% | 7.58% | 7.82% | - | 7.98% |
| Home Equity Loans | Home Equity Line of Credit | Rate as low as 7.50% until 12/31/24. After 12/31/24, the rate will be based on WSJ Prime + 2.5% or + 3.5%. Your rate will depend on your credit history. No application fee. Interest only during the draw period. Maximum APR 18%. Minimum loan advance $4,000. | |||||||
Should I consolidate my personal debt into a new loan?
Debt consolidation can be a great option for saving money and simplifying your monthly payments into a single loan. Use this calculator to estimate if a debt consolidation loan is a good choice for you.
FAQs
No, you do not need a savings account to apply for a loan. If your loan is approved, we will open a savings account for you during the loan process. You must make an initial $5 deposit into your savings account upon opening.
Call 800.322.2709 to speak to a Member Service Representative to check the status of your loan application.
You must be a member of Advancial in order to finance your loan. The savings account is considered your membership account and provides you with full access to our products and services.
Yes, you can apply online for any loan or mortgage at any time.
Visit joinadvancial.org to get started. Applying for membership online is fast, easy and secure. The process only takes about 10 minutes.
You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.
Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.
Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
Regular membership is for anyone over the age of 18. Money Musketeers membership is for children 12 and under. Dinero Teens membership is for anyone between the ages of 13 and 18.
1
Your specific rate and term will be dependent upon your credit rating and other factors. Rates and terms subject to change without notice.
2
Consult your tax advisor for deductibility of interest.
NMLS #469500 All lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
To reach us, please call 800.322.2709 or email msc@advancial.org.
To reach us, please call 800.322.2709 or email msc@advancial.org.
