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icon-personal-loansNeed cash to consolidate debt? Making a big product purchase? Have an unexpected medical expense? Signal has loan options to help you get over that financial hump.


Anything Loan (Signature Loan)
The Anything Loan is our answer to life’s financial speed bumps, with money available anytime you need it. Available in amounts of $500 or greater, this basic fixed-rate personal loan is ideal for expenses like a vacation, college books or a computer for school.

And you can get even lower rates if the loan is used for home improvement.*

Product

Term

APR*

Home Improvement

Up to 60 months

as low as 6.99% APR

Signature

Up to 66 months As low as 7.49% APR

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Line-of-Credit
This revolving Line-of-Credit helps guard against overdrafts by automatically transferring funds to your checking account when you’re overdrawn. This means no penalty charges for non-sufficient funds. You may also access your Line-of-Credit via cash advances. The minimum loan amount is $500.

Product Term APR*
Line of Credit 13.49% APR

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Share Secured Loans
An alternative option that uses a share or certificate account as collateral, this fixed-rate loan allows for financing up to 95% of the share or certificate balance. The pledged assets will be “frozen” for the duration of the loan, but continue to earn dividends on the balance.

Product Term APR*
Share Secured up to 60 months as low as 3.25% APR, OR 2% above current dividend rate, whichever is greater

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Credit Builder
A Credit Builder loan is a great way to rebuild credit and payoff debt within a defined period of time. The loan is a great alternative to high-cost, predatory lenders. Please call 301-933-9100 ext. 105 or visit your local branch.

Product

Term/Amount

APR*

Credit Builder Loan

up to 6 months/up to $1,000.00

28.00% APR (plus Application Fee of $20.00)


Cash-on-Call Payday Advance
We all face unexpected expenses, and with no cash in hand, what can you do? Signal Financial members now have access to cash-in-a-flash with our payday advances! With Cash-on-Call, you can borrow up to $1,000 (depending upon your salary). Full repayment of your advance is due your next payday. The payments will be automatically debited from your Signal Financial share account on your next pay date.

Please print and complete the form below. (Note: These forms cannot be submitted online.) Fax the completed form along with a copy of your driver’s license or state I.D. card and your most recent pay stub to 301-929-6376. Failure to follow these instructions may result in a delay of you receiving your advance.

Payday Advance Application


Rates effective August 1, 2016.

*APR=Annual Percentage Rate. Rates subject to change without notice. The APR shown above reflects the current minimum APR offered and includes 0.50% discount for Connect/Premium members with automatic payment from their Signal Financial account. For members not in a Connect or Premium bundle, or who do not have automatic payment from a Signal account, add 0.50% APR to the above rates. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify. 

Line of credit rate is variable and is equal to The Wall Street Journal Prime Rate, plus 9.95%. All loan applications are subject to credit approval. Additional rules and restrictions may apply.