Personal Loans

Life is full of ups, downs, twists, and turns—and we’re here for all of it. Whether you’re celebrating a milestone, tackling the unexpected, preparing for a new chapter, or simply treating yourself, a personal loan from Guardian gives you the financial freedom to handle it all.


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One Loan. Endless Opportunities.

  • Big Purchases & Life Upgrades
    Finally get that big-ticket item you’ve been eyeing—whether it’s a new appliance, home project, or even the kitchen sink.
  • Tidy Up Your Finances
    Roll your debts into one simple monthly payment and breathe easier with a cleaner financial slate.
  • Travel & Outdoor Adventures
    From dream vacations to weekend getaways and outdoor excursions, we can help you get there.
  • Special Moments
    Weddings, anniversaries, birthdays, and all of life’s celebrations—fund them with ease.
  • Hobbies & Passions
    Fuel your interests with financing for fitness equipment, music gear, tools, and more.
  • Emergencies & Unexpected Expenses
    Be ready for the unexpected—medical bills, emergency repairs, and surprise costs.

If it matters to you, it matters to us. Guardian is here to help with anything and everything you need to make a life well lived. Apply online or visit us in person to discuss your needs.



Secured & Unsecured Options

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Happy couple celebrating after getting more for less, thanks to Guardian’s low interest rates.
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Signature Loans

  • Get fast access to the funds you need, for whatever you need them for. Let us help you meet your financial needs and goals with a personal loan.

Credit Matters Loan

  • Guardian’s Credit Matters Loan is designed to help our members strengthen their credit scores, which can have a lasting impact on their lives. All members qualify, regardless of their credit score. Here’s how the loans work:
    • Loan amounts from $600 to $1,500 to be repaid over a 12-month term.
    • Loan proceeds are placed in a restricted savings account and are released after the loan is paid in full.
    • Successful repayment is reported to credit bureaus, which can have a positive impact on your credit score.
    • Automatic drafts can be set up to pay this on time, every time.

Share Secured

  • Secure your loan using the funds in your share account as collateral. Our members pay less over all with this secured loan because of Guardian’s low interest rate, helping you get more for less.

CD SECURED

  • This secured loan uses the funds in your Guardian Certificate of Deposit (CD) as collateral. The loan rate will be 2% above what you’re earning on your Guardian CD and the term will be the same as CD maturity.

Guardian offers optional loan protection plans to give you added peace of mind. Coverage includes Credit Life & Disability, GAP (Guaranteed Asset Protection), MPB (Member Protection Plan), and DPW (Debt Protection with Life Plus). These plans help cover your loan in the event of disability, death, vehicle loss, job loss, or other life events—protecting your finances and credit. Ask a Guardian Lending Agent for details and potential rate discounts.







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Refinance Payday Loans

Did you need help fast and got “assistance” from a quick finance company? If the answer is “yes,” talk with one of our Guardian Lending Agents to refinance your payday loans today.