Credit cards
No interest when you pay in full, and an APR we tell you before you apply
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Personal
Personal loans
A fixed payment, a fixed term, and no prepayment penalty
Overview
Borrow from $1,000 to $50,000 over 12 to 72 months at a fixed rate, so the payment is the same every month from first to last. Pay it off early whenever you like and you pay no penalty — only the interest accrued to that day.
We assess what you can afford against your actual income and commitments. If the numbers do not work, we say so rather than offering a longer term to make it fit.
Why HBI
Banking that says the price first
Every HBI personal product is built the same way: one published fee, one published rate range, and the conditions written on the page rather than in a footnote. You should be able to work out what something costs before you speak to anyone.
When your circumstances change, the product should change with you. Moving between account tiers is free, paying off credit early carries no penalty, and we write to you before a fee that affects you changes.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Fixed APRs from 8.99% to 23.99%, set on your credit profile
- One skipped payment in any twelve-month period, by arrangement
- Optional payment protection that pays off the balance on death or permanent disability
- Consolidation option that pays your other creditors directly
- Payment date aligned to your payday
- Full amortization schedule provided before you sign
What you need to qualify
- Minimum annual income of $20,000
- Employed, or two years of tax returns if self-employed
- Social Security number or ITIN, and a government-issued photo ID
- Credit approval and an ability-to-repay assessment
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Calculator
Work out the repayment first
Change the amount, the term or the rate and the three figures update as you type.
How it works
Three steps, start to finish
What happens, in what order, and roughly how long each part takes.
Check your rate
A soft inquiry returns your likely rate and the maximum term, without touching your credit report.
Confirm affordability
We verify income and commitments. You will see the payment, total repayable and total interest before signing.
Sign and receive
Sign electronically and funds reach your account, usually within 24 hours.
Good to know
How we look after you
Three commitments that apply to every personal product, this one included.
Thirty days’ notice of any fee change
Fees are reviewed once a year. We publish changes at least thirty days ahead and write to you directly when a change affects a product you hold.
Your deposits are protected
Deposits are insured by the FDIC up to $250,000 per depositor, per ownership category. Coverage is automatic and costs you nothing.
A complaint goes to a person
Tell us first and a named case handler replies within two business days. If we have not resolved it in twenty, you can submit a complaint to the Consumer Financial Protection Bureau at no cost.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
No. The quote uses a soft inquiry. A hard inquiry is recorded only when you accept the loan.
Yes, at any time and with no penalty. You pay the principal outstanding plus interest accrued to the settlement date.
No. It is optional, it does not affect whether you are approved, and you can cancel it at any time.
Contact us before the due date. We can move the date or discuss skipping a payment. Missed payments are reported to the credit bureaus and carry a late fee.
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Personal
Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.