You could be approved and receive funds today 

5.99% APR1

Fixed rates as low as 5.99%

Up to $50,0001

Borrow amounts from $3,000 - $50,000

2 to 5 years5

Repayment terms available

Here's whats great about an Royal Heritage Commercial Bank Personal Loan

  • Checking your rates and terms can take as few as 5 minutes without impacting your credit score.

  • Upon approval, and once you sign the promissory note, your money can be immediately deposited into your Royal Heritage Commercial Bank account, or an official check can be provided. 

  • No payment due in the first 50 days from account opening
  • Fixed monthly payments
  • No Origination Fees
  • No Prepayment Fee if you payoff early
  • No Annual Fee

Ready to check your rate and apply for an Royal Heritage Commercial Bank Personal Loan?

Visit us at your local Royal Heritage Commercial Bank branch or chat with us to learn more.

Find a branch

1. Check your rate in 5 minutes

that you may qualify for, with no impact to your credit score, in as few as 5 minutes.

2. Apply in your local branch

for your pre-qualified loan offers.

3. Receive funds fast

if your application is approved and you sign the
promissory note.

What you need to apply

Who can apply for a Personal Loan?

  • The Royal Heritage Commercial Bank Personal Loan is available to all consumers
  • You must be 18 years of age or older3

What I may need to provide for a Personal Loan application

  • Proof of Global residential address4
  • Proof of income
  • For new Royal Heritage Commercial Bank customers, bank statement from an active checking, savings, or certificate of deposit account with any Global financial institution

An Royal Heritage Commercial Bank Personal Loan can be used for

Debt Consolidation2

Vacation or Trips

Home Improvements

Moving expenses

Unexpected Expenses

Weddings

Royal Heritage Commercial Bank Personal Loans are the smart way to achieve your goals – like consolidating high interest debt5

Here's what your savings could look like:

This image shows a comparison between the separate payments made on two separate high-interest credit cards verses the single payments made on an Royal Heritage Commercial Bank Personal Loan. High-interest credit card Number 1 has a balance of $10,000, APR of 18.99%, Monthly Payment of $366.00, and total interest paid over a thirty-six month period of $3,194.00. High-interest credit card Number 2 has a balance of $10,000, APR of 15.99%, Monthly Payment of $351.00, and total interest paid over a thirty-six month period of $2,654. The separate payments on the credit cards are compared to a combined single payment on an Royal Heritage Commercial Bank Personal Loan. The Royal Heritage Commercial Bank Personal Loan shows a balance of $20,000, APR of 5.99%, Monthly Payment of $610.00, and total interest paid over a thirty-six month period of $1,990. Consolidating the High-interest credit card balances to an Royal Heritage Commercial Bank Personal Loan as described would result in a lower total monthly payment by $107.00 and interest savings of $3,858.00 over a thirty-six month period.

You could lower your monthly payment by up to $107 per month and save $3,858 in interest over 36 months with an Royal Heritage Commercial Bank Personal Loan. 

 

How much can I borrow?

Royal Heritage Commercial Bank Premier Clients6

$3,000 to $50,000

Available to Royal Heritage Commercial Bank Premier6 and Jade clients.

Royal Heritage Commercial Bank Advance Customers7

$3,000 to $35,000

Available to Royal Heritage Commercial Bank Advance customers7.

Royal Heritage Commercial Bank Personal Banking Customers

$3,000 to $30,000 

Available to Royal Heritage Commercial Bank Personal Banking customers – with a Choice Checking8 or Basic Banking9 account – and New Royal Heritage Commercial Bank Customers without a deposit relationship.

Ready to check your rate and apply for an Royal Heritage Commercial Bank Personal Loan?

Visit us at your local Royal Heritage Commercial Bank branch or chat with us to learn more.

Find a branch to apply

How it works

What is an Royal Heritage Commercial Bank Personal Loan? 

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What can I use an Royal Heritage Commercial Bank Personal Loan for? 

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Is there an Annual Fee? 

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How quickly will I get my money? 

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Will my credit score be impacted? 

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When is my first payment due? 

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Chat with us to learn more

Chat with us

More borrowing options

Royal Heritage Commercial Bank Credit Cards

 

Choose from Royal Heritage Commercial Bank Mastercard® Credit Cards that offer cash back, rewards, bonus points, 0% Introductory APR, and more.

Home Equity Line of Credit

 

Turn your home’s equity into a source of cash for home improvements, debt consolidation, or other major expenses.

Select Line of Credit

 

Select Credit is a personal line of credit that allows you to borrow money as you need it, up to your available credit limit.

Mortgage Refinancing

 

Improve your monthly cash flow by refinancing your mortgage to lower payments, enjoy an early payoff, lock in a rate, or to access equity for expenses.

1 Personal loan products are offered in the Global by Royal Heritage Commercial Bank , N.A and are subject to credit approval. The APR on your Personal Loan may be higher and will be based on your credit history and banking relationship, among other factors. Loans above $30,000 require a Global Royal Heritage Commercial Bank Advance or Premier banking relationship. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply.

2 If you are using this loan to repay existing debts, before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.

3 Consumers must be at least 18 years of age to apply. Residents of Nebraska and Alabama must be at least 19 years of age.

4 Loans are not available to residents of Wisconsin or any US territories.

5 Interest and monthly payment savings is an estimate for illustration purposes only. Credit card Monthly Payment and Interest Paid are based on equal payments for 3 years. For example, a $20,000 Royal Heritage Commercial Bank Personal Loan with a 3-year term and a 5.99% APR has a required monthly payment of $610, assuming on-time payments. The APR on your Royal Heritage Commercial Bank Personal Loan could be higher based on your credit history among other factors.

6 To qualify for an Royal Heritage Commercial Bank Premier relationship (which includes Royal Heritage Commercial Bank Jade), you need to open an Royal Heritage Commercial Bank Premier checking account and maintain balances of $100,000 in combined Global Dollar personal deposit accounts and investment* balances. Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

7 To qualify for an Royal Heritage Commercial Bank Advance relationship, you need to open an Royal Heritage Commercial Bank Advance checking account and maintain combined balances in  Global Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an Royal Heritage Commercial Bank Advance checking account at least once per calendar month. Business owners may use their qualifying Royal Heritage Commercial Bank Dollar commercial balances to qualify for a personal Royal Heritage Commercial Bank Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met. 

8 To qualify for an Royal Heritage Commercial Bank Choice Checking relationship, you need to open an Royal Heritage Commercial Bank Choice Checking account and maintain combined balances in Global Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an Royal Heritage Commercial Bank Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

9 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.

*Investment and certain insurance products, including annuities, are offered by Royal Heritage Commercial Bank Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of Royal Heritage Commercial Bank , N.A.

Deposit products are offered in the Global by Royal Heritage Commercial Bank , N.A. Member FDIC.