Personal Loans

Consolidate and pay off debt, pay for college, furnish your home, take a vacation—anything you want—and pay it back in affordable monthly payments that fit your budget. Our loan specialists will help you decide on the loan and terms that are right for you. And, when you use your loan to consolidate debt, we’ll even pay off your bills for you!

Apply Online Call 24/7: 410.682.6774

Convenient Loan Payment Options

Payroll deduction available
Have your payment automatically deducted from your Point Breeze checking or savings account
Transfer funds from your checking or savings account to your loan account using Online Banking, Mobile Banking, or by calling AUDRE (our 24-hour automated phone teller)
Mail your payment with the loan payment coupons provided

Optional Debt Protection Plan

This optional coverage will give you increased peace of mind in the event of death, disability or involuntary unemployment.

You've Got Options

Share Secured Loans

Borrow up to the full amount in your Share Savings Account (less the $5 minimum deposit to maintain your membership). Interest rates are much lower because we hold the collateral here. You’ll also continue to earn dividends on the balance held for collateral.

Borrow between $500 and $100,000
Low fixed rates or lines of credit available
Flexible terms up to 5 years
No application fees or prepayment penalties

Apply Now

Signature Loans

Your signature may be all that is necessary to get the money you need for any worthwhile purpose or to consolidate existing debt into one, low monthly payment.

Borrow up to $10,000 unsecured
Low fixed rates or lines of credit available
Flexible terms up to 5 years
No application fees or prepayment penalties

Apply Now

Home Improvement Loans

With a Home Improvement Loan from Point Breeze, you can tackle those unexpected repairs, remodel your bathroom or finally get that dream kitchen. Get the cash you need to make your home your own!

Borrow up to $7,500 unsecured
Flexible terms up to 10 years
Fast, easy loan process

Share (Savings) Secured Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Share (Savings) Secured	5.00%	120	$10.61	$100,000

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Signature (Unsecured) Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Signature (Unsecured)	9.95%	60	$21.23	$10,000

Home Improvement Loan Rate

Product	APR as low as	Maximum Term (in months)	Monthly Payment (per $1,000)	Maximum Loan Amount
Home Improvement	7.75%	60	$20.16	$7,500