Unsecured Signature 贷款

The main difference is collateral: an unsecured loan does not require collateral, while a secured loan does. That means you’ll pay higher interest, but the loan might be more accessible to you. 换句话说，一些关键的区别是:

无担保贷款

• Not tied to collateral
• 快速处理较低的贷款金额
• Typically has shorter terms

无抵押贷款要素的例子:

• Unsecured Signature 贷款
• 抵押贷款
• 汽车贷款
• 学生贷款

担保贷款

• 连接到一块抵押品
• The lender can take possession of the collateral if you do not repay the loan as agreed
• 通常利率较低
• 如果你需要重建信用，是否更容易获得

担保贷款要素的例子:

• 房屋净值 Line of Credit -用你的房子做抵押
• 房屋净值贷款 -用你的房子做抵押
• 证书的贷款 -使用您的元素证书作为抵押品
• 股票担保贷款和信用额度 -使用你拥有的股票作为抵押品

利记app官网 offers both unsecured and secured loans to our members. Depending on your situation, one loan type or the other may be right for you. 一如既往地, your support team at 元素 is ready to help you find the product that is best for you — just give us a call at 1-800-621-2105.

Yes, you really can! You can use your 元素 无担保贷款 to finance major purchases, such as:

• 那个大假期
• 贷款整合
• Paying off your credit cards
• Unexpected emergencies
• 首页 repairs or improvements
• 医疗费用
• 一辆新车
• 第二个家
• 这取决于你!

开始

轻松管理您的贷款活动 利记和元素移动应用程序. You can access funds in as little as one business day after your loan is finalized. The funds will be available in the 元素 account of your choice or sent via check if you prefer.

所有的贷款都有利有弊, 尤其是在支付主要开支的时候. Compare different types of loan products in the chart below to determine which is best for your needs. 一如既往地, your support team at 元素 is ready to help you find the product that is best for you — just give us a call at 1-317-542-5055.

There are no prepayment penalties or an annual fee associated with an Unsecured Signature 贷款.

We do offer consolidation loans to consolidate bills and pay off other debts. An Unsecured Signature 贷款 (see information on this page) can be used for that purpose. 大多数成员可用的其他选项包括其他 个人贷款, 房屋净值贷款甚至是第一次 抵押贷款再融资 有一个债务合并选项.

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. We come to your workplace to answer questions and can provide you with 专门的抵押贷款发起人³ 指导你完成整个抵押贷款流程.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally⁴. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

我们的技术使使用元素进行银行业务变得简单. 从快速的数字应用到在线应用 手机银行，无论你走到哪里，我们都会在你身边. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3 Easy Steps to Apply

1. 在线申请 - 你可以在短短10分钟内在线申请! 随时提交您的申请或致电 1-800-621-2105 开始吧. 你的身份证(驾照)准备好了吗, 状态标识, 或护照)和你的社会安全号码.
2. 接我们的电话 - We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
3. 就是这样! - 我们将在10个工作日内与您联系并作出决定. 一旦你的贷款被批准并最终确定, you can get cash in your account in as little as one business day.

马上申请