stack of credit cards that have accumulated debt
stack of credit cards that have accumulated debt

Your money, your call

With an unsecured personal loan from AmeriSave Mortgage, you decide what to spend the money on. Pay off credit card debt, consolidate bills, or make that big home improvement project you have been dreaming about. Plus, with a fixed rate, you’ll have consistent monthly payments. You can get approved within minutes to borrow between $5,000 and $50,000, with funds deposited directly into your bank account.

Let's say you borrowed...



Personal Loan

Personal Loan





Credit Card

Credit Card





*Assumes minimum payments of $519 on credit card; $445 on personal loan with a credit card rate that is based on industry average. Actual results may vary based on applicable credit card interest and fees.

freshly renovated house

Make an investment in
your house to make it a

New Kitchen
New Bathroom
Updated backyard/landscaping
New roof
View your Rate
working on home renovation project
doctor seeing patient

Invest in yourself & the
things you love

Special occasions
Moving expenses
View your Rate
woman looking at bills
hand holding credit cards

Increase your financial flexibility with streamlined payments

Consolidate credit card payments
Pay off old bills
View your rate
man sitting at table
woman looking to consolidate credit card debt
woman looking to consolidate credit card debt


Discover the financial benefits that come with a personal loan:

  • Get fixed interest rates and consistent monthly payments.
  • Quickly consolidate debt, pay for unexpected expenses, and more
  • Could save money compared to high-interest credit cards
woman receiving personal loan documents


No one wants to pay more than they have to. That’s why with a personal loan from AmeriSave Mortgage you don't pay upfront fees.

  • No origination fees
  • No pre-payment fees
woman receiving personal loan documents

Apply Now & Get Cash Quickly

In just a few simple steps you could be on your way to a personal loan.

Complete application

Choose your loan

Sign loan agreement

If your personal loan is approved, funds will be direct deposited in 1 business day and will typically show as available in your account in 3-5 business days.

See your Rate

(Won’t affect your credit score)

Personal loan calculator

Determine your monthly payment and cost savings with our
helpful personal loan calculator.

What is a personal loan?

A personal loan is a one-time payment of cash to a borrower who pays back the amount plus interest in regular, monthly installments over the life of the loan, which is known as the “term.”

With an unsecured personal loan, lenders usually don’t require collateral for you to get the money you need, and often approve it by just evaluating your creditworthiness.

Personal loans from AmeriSave Mortgage are simple to apply for and qualify for, making them perfect for everything from small home improvements to big purchases to debt consolidation. Because they’re unsecured, no collateral or home ownership is necessary. And while you can use the money for almost anything, it’s smart to only borrow for things that can improve your financial well-being.


There are a few key factors that help determine if you qualify for a personal loan. First and foremost is credit score as it reflects your ability to make payments, show responsibility with credit and more. Lenders will offer the lowest rates to those with higher credit scores. Additionally, lenders look at things like debt-to-income ratio, as well as major financial events in your history like bankruptcies and foreclosures.

To start, lenders will need your name, phone, email, home address, date of birth, annual income, employment status, social security number, and proof of identity. This information will help determine if you qualify for the loan.

Approval is quick – just complete an online application. Upon successful verification of information and application approval, funds will be deposited into your account within 1 business day and typically show in your account in 3-5 business days.

It depends on how you use the money. Paying off high-interest credit card debt and outstanding bills will increase the likelihood of improving your credit score. Additionally, having a personal loan could enhance your credit mix, while making payments on time could help show your responsibility with credit - all things that help improve your credit!

The interest paid on personal loans generally is not tax deductible. However, you may be able to take a tax deduction in some cases, please check with your tax professional.

In addition to paying back the principal, borrowers will pay back a personal loan with interest in installments over the life of the loan. Personal loans from AmeriSave Mortgage do not include originating fees or pre-payment fees, but other fees may apply. See your terms and conditions.

Personal loans from AmeriSave Mortgage are online-only products. However, you can learn more about our loan options by visiting: Types of Home Loans for Buyers & Owners – AmeriSave Mortgage. Our easy online application experience will provide product options that best fit your needs.

No, we have partnered with an established and trusted service provider who will be servicing the personal loans after origination.

Don’t see what you’re looking for? Check out our Knowledge Center for more resources.

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