Whatever you have in mind, Ardent has a personal loan option that can get you there

Ready to consolidate debt? Make a special purchase? Sometimes it just takes a little cash to make it happen. That’s where Ardent can help. We offer quick approvals and easy access to funds.

Signature Loan

  • Borrow up to $25,000
  • No collateral required
  • Fixed interest rate and monthly payment

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QuickCA$H Line of Credit

  • A line of credit with no collateral required
  • Lines available between $500 and $15,000
  • Quick approval and easy access to funds

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Savings/CD Secured Loan

  • Use your Ardent accounts as collateral
  • Get the money you need, for any purpose

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Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 8.49%2 72 months $17.84
Student Loan (Undergraduate) As low as 8.00%3
Student Loan Refinance As low as 3.89%3 (Variable) 5 years
Student Loan Refinance As low as 4.89%3 (Variable) 10 years
Student Loan Refinance As low as 5.39%3 (Variable) 15 years
Student Loan Refinance As low as 3.49%3 (Fixed) 5 years
Student Loan Refinance As low as 4.49%3 (Fixed) 10 years
Student Loan Refinance As low as 4.99%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card as low as 10.88% fixed4
VISA Gold Card as low as 10.96% fixed4
VISA Classic Card as low as 9.99% fixed
VISA Secured Card 17.90% fixed ($25 Annual Fee)
Lend-a-Paw Line of Credit 8.99% APR

1APR = Annual Percentage Rate. Ardent has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit worthiness. Rates are subject to change at any time.

2Members who want to refinance existing loans must borrow an additional $2,500 in new money to qualify for current posted rate.

3Prime market index plus a margin; prime rate currently at 3.50%. The margin rate currently ranges between 3.00% and 5.00%, depending on the borrower’s or co-borrower's credit score at the time of application. The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate.