Personal Loan Rates

*Annual Percentage Rate. Rates effective as of April 16, 2025, and subject to change without notice.  Member Loyalty Loan Rate Discount: A 0.50% APR discount is available to members with (1) an active direct deposit totaling $500 or more per month to a Cobalt checking account, (2) at least one Cobalt loan, line of credit, HELOC, mortgage, or Cobalt Credit Card already open at the time of application, and (3) all Cobalt accounts in good standing. See a representative for full details. Limited-time offer. Current rates range from 8.99% APR to 17.75% APR before loyalty discount and are based on creditworthiness and the loan term. The minimum loan amount is $500 and the maximum is $30,000. Loan terms available up to 60 months. No prepayment penalty. Payment example: The monthly payment, without debt protection, for $10,000 at a 36-month term with a 9.74% APR, is approximately $341.93. All loans are subject to approval.