Better Banking. Better Lives.

Personal Loans

When you need a loan for an important purchase, HOPE is here to help. From new and used vehicles, to personal loans, to options that can help you rebuild your credit, we have you covered.

If you are shopping for a loan, be sure to check HOPE for your best rates and terms. We can often make loans when other financial institutions can’t. For people with less than perfect credit, we may be able to keep you out of a predatory loan with exceptionally high interest rates or unfavorable terms.

HOPE also offers affordable credit cards and home loans.
So contact us and see what we can do for you.

Apply Online See Our Rates


Put Some Jingle In Your Pocket with a Holiday Loan from HOPE!

HOPE Holiday Loans - 2016 - Web GraphicWhile everyone loves celebrating the holidays, we all worry about the additional financial burden they create. If you’re paying for things with store charge cards or credit cards, you’ll only feel worse when you realize how much money the steep 21%-24% APR many of them charge is going to cost you.

We can help take the stress out of the season with a HOPE Holiday Loan.¹ The extra cash could let you enjoy pre-holiday sales, take the trips you want to visit family and friends, and cover all the entertaining you’ve been planning.

Our holiday loan special will help make your wishes come true with great features and benefits:

  • Rates as Low as 6.00% APR²
  • Application Fee Waived
  • Generous Repayment Terms
  • Quick Approval
  • Available October 1, 2016, Through December 31, 2016

Stop by a HOPE branch to see how you could benefit from this great offer.  You can also apply online.

¹All loans subject to credit approval.
²APR is Annual Percentage Rate. Unsecured/Signature Loans of $5,000 with an annual interest rate of 6.00% (6.00% APR) and a term of 48 months would have a monthly payment of $117.59.

Vehicle Loans

When you’re ready for a new set of wheels, you’re ready for a loan from HOPE. We offer very low rates and competitive terms. Learn more about financing your car, truck, or SUV.


Home Equity Loans

Do you own a home? Turn it into a bank with a HOPE Home Equity Loan. You can borrow against the value you’ve built in your house to consolidate bills, make repairs or improvements.


Signature Loans

Our signature loans can cover you for a variety of borrowing needs. It’s perfect for short-term borrowing situations or for occasions when unexpected expenses need to be repaid over time.


Credit Builder Loans

If you’ve had some challenges with your credit in the past, we want to help you get back on track. HOPE offers two options for getting the loan you need and allowing you to improve your credit history over time.


Borrow and Save Loans

Are you in need of an emergency loan? Are you facing a gap between paychecks? Looking for a way to build your credit and your savings? A Borrow and Save loan may be perfect for you.

Borrow and Save is a safe, convenient small-dollar loan that also lets you save. It gets you immediate access to the cash you need now while you build savings for the future.

How? Part of this short-term loan starts a savings account at the credit union. Once you’ve fully repaid the loan, the savings and the dividends they’ve earned are yours.

Borrow and Save can build your credit and strengthen your financial health.


Savings/Share Certificate Secured Loans

If you have funds in certain types of HOPE deposit accounts, you may be able to turn that money into a loan. A secured loan borrows against the value of money in a savings account or a share certificate. Making on-time payments helps you boost your credit history.

 

Featured Stories

Hope Credit Union Expands into Southwest Little Rock

LITTLE ROCK, AR – Hope Enterprise Corporation and Hope Credit Union (HOPE) celebrated the grand opening of its newest location at 8411 Interstate 30 in Southwest Little Rock on Thursday, June 2. The new full service location expands on HOPE’s existing presence, a program office housing a commercial lender since 2006 and a branch in College Station since 2008, and offers area residents access to checking and savings accounts, auto loans and credit cards, mortgages and small business loans. Anyone who supports the mission of HOPE, to improve the quality of life for low-income and low-wealth individuals in the Mid South, may join the credit union to take advantage of the benefits of membership. “We are excited to open our newest branch in Southwest Little Rock, a diverse and growing community filled with opportunity,” said HOPE CEO Bill Bynum. “We are grateful to our long time partners the Winthrop Rockefeller Foundation, NeighborWorks® America and Regions Bank for their ongoing generosity and support to make this day possible.” Since 2008, HOPE has expanded from 7 to 27 locations – many of which are located in communities where few affordable banking options exist. HOPE serves 30,000 members, one out of three of whom were unbanked when they joined. Through July 31, 2016, HOPE will feature special offers to help make it more affordable for people to become members. The credit union will waive the monthly fee on all checking accounts for six months and the application fee on personal loans. HOPE offers checking and savings accounts, consumer and mortgage loans and commercial lending services. The Little Rock branch is open Monday – Thursday 9am – 4pm and Friday 9am – 6pm. For more information about HOPE or a complete list of services and locations, visit www.hopecu.org. About HOPE HOPE (Hope Enterprise Corporation and Hope Credit Union) is a community development financial institution, community development intermediary and policy center that provides affordable financial services; leverages private, public and philanthropic resources; and engages in policy analysis in order to fulfill its mission of strengthening communities, building assets, and improving lives in economically distressed parts of the Mid South.

HOPE Consumer Lending Concentrated in
 Economically Distressed Communities

Through the first three quarters of 2014, HOPE has closed over 1,100 loans to support members with the purchase of automobiles, the building of credit and alternatives to payday lending.

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