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SCAM ALERT: Beware of calls and texts about fake toll fees or job offers, or those claiming to be from 3Rivers. We’ll never ask for your card number, PIN, online banking info, or codes. If something feels off, call us at 800.825.3641.

Rates

Personal Loans

Last updated: 6/25/2025
Unsecured Loans Term Rate (As Low As) APR1 Apply
Unsecured Lines of Credit 13.77% 13.77 - 18%
Unsecured Term Loan 12 - 48 months,
$5,000* min loan amount
13.27% 14.34 - 18%
Unsecured Term Loan 49 - 60 months,
$5,000 min loan amount
13.77% 14.65 - 18%
Unsecured Term Loan 61 - 72 months,
$10,000 min loan amount
14.77% 15.15 - 18%

1APR=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 $99. Your APR will vary depending on your loan amount, interest rate & loan term. Personal loan rates will range from 13.27%-18%.

*Minimum loan amount of $5,000; minimum term is 12 months.

Assume you will borrow $12,000 with $99 loan processing fee; the loan amount will be $12,099. The calculated APR on a 48 month loan with an interest rate of 13.27% would be 13.71%. Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

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