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Flexible Financing for What Matters to You

Personal Loans

Whether you're consolidating debt, covering unexpected expenses, or funding a major purchase, we have a loan to help you move forward.
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Loans That Work for Your Life

At 3Rivers, we understand that life doesn't always fit into neat categories. That's why our personal loans give you the flexibility to borrow for what matters most—whether it's consolidating high-interest debt, covering medical expenses, financing home improvements, or handling unexpected costs. 

Flexible Lending Options

Find the Right Personal Loan for You

Explore the personal financing solutions designed to fit your unique financial situation and help you reach your goals.
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Unsecured Line of Credit

  • Revolving credit line with flexible access 
  • Only pay interest on what you borrow 
  • Reusable funds as you pay down your balance 
  • Perfect for ongoing expenses or emergencies 
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Unsecured Term Loan

  • $5,000 minimum loan amount 
  • Ideal for debt consolidation or personal expenses
  • Predictable monthly payments you can count on 
  • Fast approval and funding process 
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When Life Happens

One Loan. Endless Possibilities.

A personal loan can help you consolidate debt, pay for important expenses, or fund life’s biggest moments—all with one predictable monthly payment. It’s a simple, flexible way to keep moving forward with confidence.
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Debt Consolidation

Simplify your finances by combining multiple high-interest balances—like credit cards—into one manageable monthly payment. It can make budgeting easier and may help you save on interest over time.
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Home Improvements

From small repairs to major upgrades, a personal loan can help you create a space that feels more like home—without tapping into your savings.
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Emergency Expenses

Life doesn’t always give you a heads-up. Whether it’s a car repair, an unexpected vet bill, or last-minute travel, a personal loan can help you cover urgent costs when they arise.
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Medical Bills

Focus on what matters most—your health. Personal loans can help cover medical procedures, dental work, or insurance deductibles so you’re not overwhelmed by out-of-pocket expenses.
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Major Life Events & Purchases

Big moments matter. Whether you’re planning a wedding, moving to a new home, or covering funeral expenses, a personal loan can help ease the financial burden during important life transitions.
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Education Expenses

Invest in your future with confidence. Personal loans can help cover tuition, certifications, or the technology you need to take the next step in your career.

Personal Loans

Disclaimer
11APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on the minimum loan amount and the maximum term listed, and account for a loan processing fee of $149. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 11.99%-18%.

Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 48 month loan with an interest rate of 11.99% would be 12.66%. Assume you will borrow $12,000 with $149 loan processing fee; the loan amount will be $12,149. The calculated APR on a 60 month loan with an interest rate of 12.49% would be 13.04%. Assume you will borrow $15,000 with $149 loan processing fee; the loan amount will be $15,149. The calculated APR on a 72 month loan with an interest rate of 12.99% would be 13.43%.
Unsecured Loans Term Rate (As Low As) APR1
Unsecured Lines of Credit 12.99% 12.99 - 18%
Unsecured Term Loan 12 - 48 months, $5,000 min loan amount 11.99% 12.66 - 18%
Unsecured Term Loan 49 - 60 months, $5,000 min loan amount 12.49% 13.04 - 18%
Unsecured Term Loan 61 - 72 months, $10,000 min loan amount 12.99% 13.43 - 18%
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