Spread the joy without the stress.
Whether you're planning the perfect gift or covering those extra holiday expenses, our personal loans—starting as low as 9.49% APR*—are here to help you make the season merry and bright.
*Annual Percentage Rate. Rates effective as of November 1, 2024, and subject to change without notice. Member loyalty Discount of 0.25% APR requires maintaining direct deposit to a Cobalt checking or savings account. Loyalty discount is only available on new money new loans. Existing personal loans must refinance with a minimum of $1,000 added to the loan in order to qualify for the loyalty discount. Current rates range from 9.74% APR to 16.99% 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.
