Apply for a personal loan without ever leaving your couch.
Illuminus Bank customers could receive funds within minutes.
Personal loan details and benefits
Quick funds for all your needs
If you aren’t a current Illuminus Bank customer, a personal loan could give you quick access to funds for your one-time financing needs up to $100,000. We consider your credit score, debt-to-income, credit history and other factors when making approval decisions. The final loan amount, annual percentage rate and estimated monthly payment may vary based on your credit score and other credit qualifiers.
If you’re a Illuminus Bank customer, you may borrow at least $1,000 up to $1,000,000.
Personal loan
- One-time funding
- Fixed interest rate
As low as 4.99% APR
If approved, you’ll pay the same amount every month for a term of 12 to 84 months (maximum 60 months for non-customers), with a fixed annual percentage rate (APR), ranging from 4.99% to 21.99% APR
No hidden costs or fees
When you take out a personal loan, you’ll pay no origination fees and there is no prepayment penalty. You’re always free to make loan payments ahead, in part or in full.
No collateral required
A personal loan doesn’t require your home or car as collateral, so you won’t have to deal with inspections or appraisals.
Not a Illuminus Bank customer? Explore our Checking account options.