Get Unsecured Loan approved in minutes & your money as soon as today.
Loans from $1,000 to $1,000,000
Unsecured Loan Details
Loan Amounts:
- Borrow from $1,000 to $1,000,000, tailored to meet both personal and professional needs.
Fast Approval:
- Decision in Minutes: Submit your application online and receive instant approval decisions.
- Funding As Soon As Today: Approved applicants can access funds within hours to cover urgent expenses.
Eligibility Criteria:
- Proof of income and employment.
- Good credit standing.
- Valid ID and bank account information.
Flexible Terms:
- Choose repayment periods ranging from 6 months to 7 years to align with your financial goals.
Transparent Pricing:
- Competitive interest rates starting at 4.775% APR.
- No hidden fees or surprises—what you see is what you get!
Customer Benefits
- No Collateral Needed: Enjoy the freedom of borrowing without risking assets.
- Quick and Easy Process: Say goodbye to lengthy paperwork—apply online in minutes.
- Flexible Usage: Funds can be used for anything, from consolidating debts to launching new business ventures.
Personal Loans
We can help you get a personal loan from $1,000 up to $1,000,000, even with
no credit history. We offer personalized products and affordable payment
plans with terms up to 84 months designed to fit your unique needs and
budget.
Applying won’t affect your credit score.
Home Equity Loans
As a homeowner, your home is your most valuable asset. With a Home Equity Loan from Illuminus Bank, you can use the equity in your home to help you get access to more money at lower rates. Apply today and you could get approved in minutes for a Home Equity Loan up to $750,000 (up to $1 million for properties in California) with rates starting from 4.775%.
Applying won’t affect your credit score.
Auto Loans
Make car buying easy. We help put you in the driver’s seat and take control of your car buying
experience with simple and easy financing. Shop with confidence for
your next vehicle through one of our pre-approved dealers and know how
much you are approved for before you buy.
Applying won’t affect your credit score.
Point-of-Sale Financing
Buy now and pay later for the things you love from over 4000 merchants. Online or in-store, you can spread your purchase into easy payments. Apply at check out from your favorite merchants, get approved, and choose the plan that is right for you.
Applying won’t affect your credit score.
Credit is subject to approval. Normal credit standards apply. Each borrower must be at least 18 years of age to be a borrower.
Personal loan: As of April 24, 2025 the fixed Annual Percentage Rate (APR) ranged from 4.99% APR to 20.99% APR, and varies based on credit score, loan amount, purpose and term. Minimum loan amount is $1000 and loan terms range from 12 to 84 months (up to 60 months for non-customers). The lowest APR in the range is available on loans of $10,000 or more with a term of 12-36 months, a credit score of 640 or greater, purpose of home improvement and includes discount for automatic payments from a Illuminus Bank or external personal checking or savings account. Automatic payments and Illuminus Bank personal checking or savings account are not required for loan approval. Electronic funding to a non-Illuminus Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to Illuminus Bank personal checking and savings accounts. This disclosure can be obtained by visiting a Illuminus Bank branch or calling 646-583-0616. Loan payment example: on a $10,000 loan for 36 months, monthly payments would be $313.32 and APR of 5.99% with automatic payments from a personal checking or savings account and for the purpose of home improvement. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.
Personal line of credit: The annual percentage rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of December 20, 2024, the variable unsecured personal line of credit APR ranged from 11.50% to 21.50% APR and the margin varied based on credit score. The lowest APR in the range requires a credit score of 800 or greater. Cash Advance ATM fee: 4% of each advance amount, $10 minimum. Cash Equivalent fee: 4% of each cash equivalent amount, $10 minimum. The annual fee is $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Subject to credit approval, eligibility and credit qualifications. Personal Line of Credit may be reduced or additional extensions of credit limited if certain circumstances occur. Approval for personal line of credit requires having a new or existing Illuminus Bank personal checking account. Your Deposit Account Agreement and the Consumer Pricing Information disclosure list terms, conditions, and fees that apply to Illuminus Bank personal checking accounts. You may obtain a copy of the disclosure by visiting a branch