The average family plans to spends nearly $700 on back-to-school clothing, uniforms and supplies this summer. While helping your kids start off the year right is important, so is avoiding high interest rate credit card debt. Instead, be smart and borrow up to $1,500 at 7.99% APR1 with an Ardent Back-to-School Loan!

With automatic payments and a low interest rate, you can make your back-to-school spending part of your monthly budget and have it paid off by next summer. Plus, you can choose the payment frequency that works best for you - weekly, bi-weekly, semi-monthly or monthly. Keep in mind that this loan cannot be used for post-secondary educational expenses or to refinance your student loans.


Ready to apply? We'll make it easy.
When applying online, choose the Personal Loan product and select Back-to-School as your loan purpose.


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1APR = Annual Percentage Rate. 7.99% APR is a fixed rate. To qualify, you must be an Ardent member for a minimum of six months with an active checking account. Automatic payroll deduction from an Ardent account is required.

2Calculations shown and provided are for informational use only. Actual payments may vary slightly based on borrower’s payroll cycle. Estimated payment per $1,000 based on 7.99% APR for 12 months is $86.99/month or $20.03/per week. Saving comparison based on national average credit card rate on as of July 24, 2019. Lending decisions are based on a number of factors, including but not limited to the applicant's creditworthiness, employment, income, and loan repayment history. Additional restrictions may apply. This is a limited-time, online-only promotion. Upon approval, loan proceeds will be deposited to the applicant's Ardent checking account. Applications approved for this Back-to-School Loan promotion are final and may not be subject to refinance at any time after the promotion ends on September 13, 2019. Average spending survey: National Retail Federation’s Annual 2019 Back-to-School Survey.