Unsecured Personal Loans from Fidelity Bank
Quick Access to Funds, Easy.
Fidelity Bank, a trusted Louisiana bank, offers unsecured personal loans designed to meet your financial needs with flexibility and convenience. Whether you're looking to consolidate debt, finance a home improvement project, or handle unexpected expenses, our personal loans provide the funds you need without the hassle.
Quick Online Process. Great Low Rates.
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| No origination fees and no prepayment penalty | Borrow $1,000 – $50,000 with fixed rate repayment terms of 3 and 5 years2 | Fast and easy online application with quick access to funds3 |
CHECK MY RATE (will not affect your credit score1)
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Unsecured Personal Loan Details
Unsecured Personal Loan Details
Financing an unsecured personal loan through a community bank is easy. Fidelity Bank is a leading financial institution that provides multiple financing benefits:
- Local Loan Decisions: Application reviews and loans decisions are made right here in Louisiana.
- Manageable Monthly Payments: Break down large expenses into predictable, fixed-rate payments.
- Fixed Repayment Terms: Choose from 3 or 5-year terms to suit your financial situation.
- Easy Auto-Pay Options: Stay on track with automatic payments that fit your budget.
- No Pre-Payment Penalty: Pay off your loan early without incurring additional costs.
- Online Loan Management: Manage your loan easily through our online banking platform.
- No Origination Fees: Enjoy a straightforward loan process with no hidden costs.
- No Prepayment Penalty: Pay off your loan early without extra charges.
- Borrow $1,000 - $50,000: Choose a loan amount that suits your needs.
- Fast and Easy Online Application: Apply online in minutes and gain quick access to your funds.
What is an Unsecured Personal Loan?
What is an Unsecured Personal Loan?
An unsecured loan from Fidelity Bank means you do not need to secure the loan with collateral like a house or car. Your loan approval is based on factors such as your credit history and income. With fixed interest rates and repayment terms, you’ll know exactly what to expect each month, making budgeting easier.
How Can I Use a Personal Loan?
How Can I Use a Personal Loan?
Personal loans from Fidelity Bank can be used for a variety of purposes, including:
- Funding a Wedding Celebration: Make your big day memorable without financial stress.
- Financing Home Repairs or Improvements: Enhance your home with manageable monthly payments.
- Consolidating High-Interest Debt: Pay off high-interest credit cards or other loans with a single, lower-rate loan.
- Handling Unexpected Expenses: Cover medical bills or other unforeseen costs without dipping into your savings.
Setting and achieving savings goals is important, but if you find yourself needing extra funds, a personal loan from Fidelity Bank may be a practical solution. Compared to credit cards, our personal loans often come with more manageable monthly payments and no prepayment penalties, making them a smart choice for many borrowers.
How to Get a Personal Loan in 3 Easy Steps
How to Get a Personal Loan in 3 Easy Steps
- Check Your Rate (will not affect your credit score)1
Tell us about yourself and your financial needs. Checking your rate won’t affect your credit score, and you’ll quickly see the rate you qualify for. - Complete a Quick Online Application
Upload the required documents directly from your device for a seamless experience. - Get Your Money
In most cases, you'll receive your funds in as little as one business day.3
Get Assistance
For general questions or help with an application, call 800-220-2497, 7:15 am – 5:00 pm CST, Monday – Friday. Or use our chat feature below.
Helpful Article
Is a Personal Loan Right For Me?
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CHECK MY RATE (will not affect your credit score1)
1When you check your rate, we perform a soft inquiry on your credit report. This initial “soft” inquiry will not affect your credit score. If you complete the application process, we will perform a “hard” credit inquiry which may impact your credit score. If you accept a loan, repayment information will be reported to the credit bureaus.
2Subject to credit approval. Residents of Fidelity Trade area only. No origination or application fee. Personal loans by Fidelity Bank feature rates no greater than 17.99 % Annual Percentage Rate (APR), with available terms of 3 years (36 months) or 5 years (60 months). Rate and term are based on creditworthiness, income, and information provided in your loan application. Longer repayment terms may have higher rates.
3If you accept your loan by 5:00 pm CST (not including weekends or holidays), you will generally receive your funds the next business day. If accepted after 5:00 pm CST Monday-Friday or during the weekend or holidays, you will generally receive your funds two business days later.
4While many borrowers opt for automated recurring payment for ease of use, we also accept payments by check or one-time electronic payments. Borrowers have the flexibility to choose the repayment method that works best for them.
FAQs
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How much can I borrow?
How much can I borrow?
You can borrow between $1,000 and $50,000 in increments of $100. The loan amount will be determined based on your application request, credit score, income, and other information provided. Not all applicants will qualify for the full loan amount requested.2
How does checking my rate work?
How does checking my rate work?
To check your rate, Fidelity Bank conducts a soft credit pull, which will not affect your credit score. If you proceed with the application after receiving a rate, we will perform a hard credit pull to request your full credit report from one or more consumer reporting agencies, which may affect your credit score.
What factors determine loan eligibility?
What factors determine loan eligibility?
Loan eligibility depends on several factors, including confirmation of Louisiana residence, credit score, income, and additional information provided in your loan application.
Is there a prepayment penalty?
Is there a prepayment penalty?
No, there is no prepayment penalty for paying off your Fidelity Bank personal loan before its maturity.
How can I manage my loan payments?
How can I manage my loan payments?
You can reduce the total amount paid over the life of your loan by calculating the right monthly payment. Use our online calculator to determine how long it will take to pay off your personal loan, based on your loan’s interest rate and amount owed. Enter the balance and down payment amount, then adjust the Loan Term and Interest Rate sliders to reflect your loan details. Adjust the Added Monthly Amount slider to see how paying more than the minimum payment can save you money.
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Fidelity Bank has partnered with Banzai to bring financial education to our clients. While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.
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