MyAdvantage Loan
- Loans from $10,000 up to $50,000
- Terms of up to 60 months
- Closed-end loan
- Zero origination fees. Zero prepayment fees.
- See if you’re pre-approved in just 90 seconds‡
- MyAdvantage Loan
- APR* As Low As – Term of 24-36: 8.99%
Use the MyAdvantage Loan for:
Debt Consolidation
Take control of your debt with one fixed payment.
Home Improvement
Finance remodeling or home repair projects.
Adoption
Access the funds you need to help grow your family.
Medical Expenses
Pay medical bills and expenses your health insurance won’t cover.
Special Occasions
Conveniently pay for that wedding, quinceanera, or other special event.
Moving Expenses
Cover movers and storage costs hassle-free when you relocate.
Worry Less & Enjoy More!
Take care of today’s expenses with the flexible MyAdvantage Loan.
Personal loans can be used for a wide range of needs, including debt consolidation, medical bills, home repairs, and major purchases.
The MyAdvantage Personal Loan starts at 8.99% APR with zero origination or prepayment fees. The Personal Credit Line starts at 11.75% APR with a variable rate tied to the Wall Street Journal Prime Rate. Final rates depend on your credit profile and loan terms.
Many applications receive a decision quickly after submission, though timing may vary depending on documentation requirements.
Yes. Many members use personal loans to combine multiple debts into one manageable payment.
MyAdvantage Personal Loans range from $10,000 to $50,000 with terms up to 60 months. Personal Credit Line limits vary based on your qualifications.
A personal loan gives you a fixed amount with a set repayment schedule and fixed rate. A personal credit line is open-ended, letting you borrow what you need up to your limit, with a variable rate and payments based on your outstanding balance.
Terms & Conditions
*APR=Annual Percentage Rates effective 05/20/2026 and is subject to change without notice. This is a fixed-term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their AdelFi Checking Account. Rates range from 8.99%–23.99% APR with automatic payments or 9.24%–24.24% APR without automatic payment for loan terms of 24 – 60 months. Tiered rate based on credit score. Not all borrowers will qualify for the lowest rate. Other conditions may apply. Monthly payment for $10,000: for 36 months at 8.99% APR (with autopay) would be $319.15; for 60 months at 10.99% APR would be $218.39. Estimated payments are for illustrative purposes only and assume you pay on time. Loan cannot be used to pay other existing AdelFi loan balances.
Personal Loan | Repayment Example. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.99%–23.99% APR. It works out to 24 monthly payments ranging from $1,375.54–$1,601.64 for a total amount of payments ranging from $33,012.96–$38,439.17. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. No origination and prepayment fees. A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval.
‡All loans are subject to credit approval.