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Personal Loans

Guardian offers several personal loan options for our members to get the right loan for their individual situation. We offer both secured and unsecured loans to meet your financial needs.


Secured Loans

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.

Share Certificate

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.


Unsecured Loans

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.

  • Refinance Payday Loan
  • Vacation Loan
  • Pool 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 $500 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.


Payment Protection

Adding Credit Life and Disability to your personal loans can give you greater peace of mind when you borrow money. With this payment protection, if you become disabled or pass away, policy benefits will be used to pay off or reduce your loan. Any excess benefits will be paid to your beneficiary or estate. Credit Life and Disability is payment protection that protects your finances and credit score in the event you are disabled, and provides valuable financial protection for your family in the event of your death.

This coverage is optional but could qualify you for additional rate discounts on your personal loan. Ask a Guardian Loan Expert about how to apply Credit Life & Disability to your personal loan for greater protection.


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 Loan Experts to refinance your payday loans today.


Don't see what you are looking for?

There is nothing too out of the ordinary to get a loan for. Just ask Guardian!