Quick Online Process. Great Low Rates. No Fees Ever.

No origination fees, no late fees and no prepayment penalty Borrow $1,000 – $50,000 with fixed rate repayment terms of 3 and 5 years2 Fast and easy online application with quick access to funds3


CHECK MY RATE (will not affect your credit score1)



What is a personal loan?
An unsecured personal loan is a type of loan that doesn't require collateral, such as a house or car, to secure the loan. Borrowers receive funds based on factors like creditworthiness and income, with fixed interest rates and repayment terms.

How can I use a personal loan?
Here are some common reasons people take out personal loans:

  • Funding a wedding celebration
  • Financing home repairs or improvements
  • Consolidating high-interest credit card debt or other loans
  • Handling unforeseen medical or insurance expenses

Setting savings goals is a wise strategy. However, if you find yourself short on funds, a personal loan might be a sensible option. This is especially true when the monthly payments are more manageable compared to alternative forms of credit, such as credit cards, and you can comfortably afford the payments throughout the loan term.

Personal loan features include:

  • Breaking down large expenses into more manageable, monthly payments
  • Paying the same fixed-rate amount every month
  • Fixed repayment terms of 3 and 5 years
  • Easy auto-pay options to assist keeping you on track4
  • No pre-payment penalty
  • Ability to manage your loan online

How to get a personal loan - 3 Easy Steps

  1. Check Your Rate (will not affect your credit score)1
    Tell us a little bit about yourself and your needs. We'll show you the rate you may qualify for, based on the information provided.
  2. Complete a Quick Online Application
    You can upload required documents right from your personal device.
  3. Get Your Money
    Receive your funds in as little as one business day in most cases.3

Get Assistance
For general questions or help with an applications, call 800-220-2497, 7:15 am – 5:00 pm CST, Monday – Friday. Or use our chat feature below.

Helpful Article
Is a Personal Loan Right For Me?



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How much can I borrow with a personal loan?

You can borrow between $1,000 and $50,000 (in increments of $100). Your loan amount will be determined based on your application request, credit score, income, and other information provided in your loan application. Not all applicants will qualify for the full loan amount requested.2

Will checking rates or applying for a personal loan affect my credit score?

To check your rate in advance of completing your application, Fidelity Bank conducts a soft credit pull, which will not affect your credit score. If you complete the application process after receiving a rate, we will request your full credit report from one or more consumer reporting agencies using a hard credit pull, which may affect your credit.

Am I eligible for a Personal Loan?

Loan eligibility is dependent on a number of factors, including confirmation of Louisiana residence, credit score, income, and additional information provided in your loan application.

Do I pay a fee if I pay off my loan early?

No. There is no prepayment penalty for paying off a Personal Loan by Fidelity Bank before its maturity.

How quickly can I pay off my loan?

Ultimately, you can reduce how much you pay toward your personal loan, if you calculate the right amount of money to pay each month. This calculator will help you see how long it will take to pay off your personal loan using your loan’s interest rate and the amount owed.

First, enter the balance for your personal loan and a down payment amount. Then, adjust the Loan Term and Interest Rate sliders to reflect the details on your personal loan. When finished, adjust the Added Monthly Amount slider to reflect how much you can save by paying above the minimum payment.


Fidelity Bank has partnered with Banzai to bring you financial educations to our clients. While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.


1When you check your rate, we perform a soft inquiry on your credit report. This initial “soft” inquiry will not affect your credit score. If you complete the application process, we will perform a “hard” credit inquiry which may impact your credit score. If you accept a loan, repayment information will be reported to the credit bureaus.

2Subject to credit approval. Residents of Fidelity Trade area only. No origination or application fee. Personal loans by Fidelity Bank feature rates no greater than 17.99 % Annual Percentage Rate (APR), with available terms of 3 years (36 months) or 5 years (60 months). Rate and term are based on creditworthiness, income, and information provided in your loan application. Longer repayment terms may have higher rates.

3If you accept your loan by 5:00 pm CST (not including weekends or holidays), you will generally receive your funds the next business day. If accepted after 5:00 pm CST Monday-Friday or during the weekend or holidays, you will generally receive your funds two business days later.

4While many borrowers opt for automated recurring payment for ease of use, we also accept payments by check or one-time electronic payments. Borrowers have the flexibility to choose the repayment method that works best for them.