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Personal Loan

ENB offers unsecured personal loans for those who need a loan but don’t have collateral. With a low fixed rate and low minimum amount to borrow, it’s a great alternative to credit cards. We offer fixed monthly payments with 12 to 60-month repayment terms, and you can get a .50% discount with automatic payment from your ENB checking account.

  • Low fixed rate – often better than most credit cards
  • Fixed monthly payment
  • .50% discount with automatic payment from an ENB checking account
  • $500 minimum amount to borrow
  • 12 to 60-month repayment terms
  • Tiered rates based on liquid net worth

Liquid net worth less than $500,000

Amount3,4
Term
APR1
Monthly Payment/$10,0002
Amount3,4: $500 – $9,999
Term: 36 Mo.
APR1: 10.98%5
Monthly Payment/$10,0002: $327.29
Amount3,4: $10,000 – $20,000
Term: 36 Mo.
APR1: 10.74%6
Monthly Payment/$10,0002: $326.16

Liquid net worth between $500,000 – $999,999

Amount3,4
Term
APR1
Monthly Payment/$10,0002
Amount3,4: $500 – $19,999
Term: 36 Mo.
APR1: 9.49%7
Monthly Payment/$10,0002: $320.29
Amount3,4: $20,000 – 50,000
Term: 36 Mo.
APR1: 8.49%8
Monthly Payment/$10,0002: $315.64

Liquid net worth greater than $1,000,000

Amount3,4
Term
APR1
Monthly Payment/$10,0002
Amount3,4: $20,000 -$49,999
Term: 36 Mo.
APR1: 8.49%9
Monthly Payment/$10,0002: $315.64
Amount3,4: $50,000 – $100,000
Term: 36 Mo.
APR1: 7.98%10
Monthly Payment/$10,0002: $313.28

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Contact us and we’ll answer your questions.

1APR = Annual Percentage Rate. Effective November 7, 2022 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published discounted rate. Rates could be higher if deposit account activity does not support automatic payment. 4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio. 5The advertised rate is our base rate of 11.49% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 6The advertised rate is our base rate of 11.25% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, c) a maximum debt to income ratio of 45%. 7The advertised rate is our base rate of 10.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 8The advertised rate is our base rate of 9.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 9The advertised rate is our base rate of 9.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 10The advertised rate is our base rate of 8.49% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.  Ephrata National Bank, Member FDIC. Equal Housing Lender.