Unsecured Signature 贷款

主要区别在于抵押品:无担保贷款不需要抵押品, while a secured loan does. 这意味着你将支付更高的利息，但你可能更容易获得贷款. In other words, some of the key differences are:

无担保贷款

• Not tied to collateral
• Quick process for lower lending amounts
• Typically has shorter terms

Examples of 元素 unsecured loans:

• Unsecured Signature 贷款
• 抵押贷款
• 汽车贷款
• 学生贷款

担保贷款

• Connected to a piece of collateral
• 如果你不按约定偿还贷款，贷款人可以收回抵押品
• Typically has lower interest rates
• Can be easier to get if you need to rebuild credit

Examples of 元素 secured loans:

• 房屋净值 Line of Credit - uses your home as collateral
• 房屋净值贷款 - uses your home as collateral
• 证书的贷款 - uses your 元素 证书 as collateral
• Stock-担保贷款 and Line of Credit - uses stocks you own as collateral

元素 Financial为我们的会员提供无担保和有担保贷款. 根据你的情况，一种贷款类型或另一种可能适合你. 一如既往地, 您在元素的支持团队随时准备帮助您找到最适合您的产品-请致电我们 1-800-621-2105.

Yes, you really can! 您可以使用元素无抵押贷款购买大宗商品，例如:

• 那个大假期
• 贷款 consolidation
• Paying off your credit cards
• Unexpected emergencies
• 首页 repairs or improvements
• 医疗费用
• 一辆新车
• 第二个家
• 这取决于你!

开始

Easily manage your loan activity with 哪个赌钱app比较好 and the 元素 手机应用程序. 您可以在贷款完成后的一个工作日内获得资金. 资金将在您选择的元素帐户中可用，如果您愿意，也可以通过支票发送.

There are benefits and trade-offs to all loans, especially when it comes to paying for major expenses. 在下面的图表中比较不同类型的贷款产品，以确定哪种最适合您的需求. 一如既往地, 您在元素的支持团队随时准备帮助您找到最适合您的产品-请致电我们 1-317-542-5055.

没有预付罚金或年费与无担保签名贷款相关.

我们确实提供合并贷款来合并账单和偿还其他债务. 无担保签名贷款(见本页信息)可用于此目的. Other options available to most members include other 个人贷款, 房屋净值贷款甚至是第一次 抵押贷款再融资 with a debt consolidation option.

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

我们以成为值得信赖的金融教育机构而自豪. 我们来您的工作场所回答问题，并可以为您提供 a dedicated 抵押贷款 贷款 Originator³ to guide you through the entire mortgage process.

尊重当地. 在全球范围内访问.

自1930年以来，我们的总部设在印第安纳波利斯，在全国信用合作社中排名前3%⁴. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

高科技. 人类接触.

Our technology makes banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. 我们在这里为您提供全天候会员服务，并在工作日进行实时聊天.

开始

3 Easy Steps to Apply

1. 在线申请 - You can apply online in as little as 10 minutes! Submit your application anytime or call 1-800-621-2105 开始吧. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and your social security number.
2. 接我们的电话 - 我们将在您提交申请后的一个工作日内与您联系，查看我们需要哪些文件并回答您的问题.
3. 就是这样! - We'll contact you with a decision within 10 business days. Once your loan is approved and finalized, 您可以在一个工作日内将现金存入您的账户.

马上申请