Low Rates.
No Fees. Smarter Borrowing.
Maybe you’re interested in paying off high-rate debt, or maybe it’s time to finally redo that retro (in a bad way) bathroom. That’s where a Jenius Personal Loan comes in handy. With no fees of any kind and low rates, you're on your way to living a richer life.
Save Thousands. That's Jenius.
| Jenius Personal Loan | High-Rate Credit Card |
|---|---|
| Balance$20,000 | Balance$20,000 |
| APR13.99% | APR21.76% |
| Monthly Payment$465.26 | Monthly Payment$549.65 |
| Interest Paid$7,915.68 | Interest Paid$12,979.15 |
Estimated Savings: $5,063.47
Information is for illustrative purposes only and takes into consideration regular monthly payments of principal and interest over 5 years with no increase to the example credit card balance. Actual APR and savings may differ.
Banking with Benefits
- Competitive RatesGet rates that make it easier for you to borrow – and pay back.
- Rate DiscountTake 0.25% off your rate when you enroll in AutoPay.1
- No FeesUnlike other banks that charge origination or late fees, our personal loans have no fees. No Gotchas.
- Flexible FundingBorrow what you need with loans from $5,000 to $50,000.
- Quick Access to FundsReceive funds as early as the next business day2. Yes, that quick!
- Mobile AppView account balances and make loan payments with the Jenius Bank Mobile app3.
Why Get a Personal Loan?
- Consolidate Debt and Save Thousands4A Jenius Personal Loan could help you save money by paying off high-interest credit card debt.
- Elevate Your SpaceElevate your kitchen or update the bathroom. Smart financing can help spark your joy and comfort at home (and may increase its value).
- Enjoy Life’s Special MomentsFrom weddings to vacations, you deserve to enjoy life’s special moments without worrying about the cost.
- Tackle Unexpected ExpensesThe unexpected is expected. With a Jenius Personal Loan, know you could be prepared for whatever life has in store.
Information You Can Bank On
- Borrowing & CreditBanking 101
Personal Loans: How to Improve Your Chances of Qualifying
Wondering how to improve your chances of qualifying for a personal loan? Check out our tips.
Jenius Bank Team • 4/14/2023 - Saving & CheckingBanking 101
Checking vs Savings Accounts: Optimize Your Funds
Having both a checking account and savings account could benefit your finances. Learn why both types of accounts are important.
Jenius Bank Team • 9/20/2024 - Borrowing & CreditFinancial Wellness
How Does a Personal Loan Affect Your Credit Score?
Personal loans are a useful tool to help you cover expenses. Learn how these loans may impact your credit score.
Jenius Bank Team • 12/21/2023
Have Questions?
What is a personal loan?
What is a personal loan?
What can a personal loan be used for?
What can a personal loan be used for?
How much can I borrow?
How much can I borrow?
What is the current rate for a Jenius Personal Loan?
What is the current rate for a Jenius Personal Loan?
How long will it take to receive my funds?
How long will it take to receive my funds?
Does Jenius Bank charge fees for personal loans?
Does Jenius Bank charge fees for personal loans?
How does repaying a personal loan work?
How does repaying a personal loan work?
How do I make a personal loan payment?
How do I make a personal loan payment?
Can I pay my Jenius Personal Loan off early?
Can I pay my Jenius Personal Loan off early?
How do I apply for a Jenius Personal Loan?
How do I apply for a Jenius Personal Loan?
Does applying for a personal loan affect my credit score?
Does applying for a personal loan affect my credit score?
Can I make an early payment on my Jenius Personal Loan?
Can I make an early payment on my Jenius Personal Loan?
Can I list my spouse's income or my business income on my personal loan application?
Can I list my spouse's income or my business income on my personal loan application?