Personal Loans

Not every loan is for something big like a car or a house.  Sometimes you just need a small loan to cover a smaller purchase or to consolidate some small debt and pay it off more quickly.  

A personal loan from 3Rivers not only offers you a lower interest rate* but you’ll get 1% cash back—up to $200**. Get cash in your pocket and back in the driver’s seat of your money matters.

3 Ways to Apply:

- Determine your eligibility

- Visit any of our convenient locations

- Apply using our mobile banking app

- Call us at 260.490.8328

Apply Today

Apply Today

*Interest rates are based upon borrower's qualifications.
**Offer valid on new money only. If refinancing existing 3Rivers loan, a minimum of $2,000 new money is required to get the cash back offer. Only new money is eligible for the 1% cash back. $2,000 minimum loan amount. Maximum cash back rebate of $200 per loan or 1% of amount financed, whichever is less. Rebate will be credited within 30 days of loan disbursement and is valid on any qualifying unsecured term loan that is a new loan to 3Rivers. Loan must remain at 3Rivers a minimum of 180 days or rebate amount will be added to loan upon payoff. No other offers/discounts apply, including rate discounts. 3Rivers may amend, suspend, or discontinue offer at any time without notice. Membership at 3Rivers is open to anyone who lives or works in the Indiana counties of Adams, Allen, DeKalb, Huntington, Noble, Wells, and Whitley. Individuals may also be eligible based upon where they live or work in Ohio. Contact 3Rivers for details.

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Rates & Terms

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  • Unsecured
  • 2-01-2020

Unsecured Lines of Credit


$1,000 minimum - $3,000 maximum

as low as 11.70%

Unsecured Term Loan 

12 - 48 months, $1,000 minimum loan amount

as low as 10.94%

49 - 60 months, $5,000 minimum loan amount 

as low as 11.29%

61 - 72 months, $10,000 minimum loan amount

as low as 11.64%

73 - 84 months, $15,000 minimum loan amount

as low as 11.99%

Apply for your 3Rivers Unsecured LoanApply for your 3Rivers Unsecured Loan

1APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications.

2LOC = Line of Credit

Payment Example(s):

  • Term – 60 months @ 10.89% your payment will be roughly $21.69 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.