Personal Loans

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Need to make a large purchase or consolidate high-interest credit cards debt? Get the cash you need now with a personal loan from Telhio, with rates lower than most credit cards!

Personal & Debt Consolidation Loans

  1. Personal Closed-End Loans: These loans provide funds to members for a specified repayment period at a fixed rate. By selecting the closed-end loan, you take advantage of the lowest rate.
  2. Open-End Loans: If you need a less finite repayment term, we offer open-end loans (or lines of credit) with no set repayment period.
  3. Debt Consolidation Loans: Do you find yourself making multiple loan and credit card payments each month? Consider simplifying your life and taking advantage of lower interest rates by consolidating your debt into one low, fixed-rate monthly payment.

Personal Loan Rate

Rate as Low as

APR as Low as

Rate as Low as


APR as Low as


Rates effective April 15, 2022. A $150 doc prep fee applies. Rates are subject to change without notice. All rates and terms subject to credit approval. Additional discounts may be available. APR = Annual Percentage Rate. Example: A $10,000 personal loan would have a payment of $247.74 for 48 months with disclosed APR.

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Payment Protection Plan

Our payment protection plan can help ensure that your loan payments continue to be made when an unexpected life event happens that affects your income. Talk to a Telhio representative today to see if you qualify for this program.

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Telhio Credit Cards

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

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Home Equity and Property Improvement

Need a loan to make some improvements around the house? Take advantage of our low interest rates!