Andigo personal loans — Meet the goLoan™.

Our goLoan (personal loan) is a quick way to affordably finance that “she shed” while he does gosh knows what in his “man cave.” Or, consolidate all those credit card bills into one easy-peasy payment. Everybody’s happy! With the Andigo goLoan, we’ll hook you up with:

  • Competitive rates
  • Quick loan turnaround
  • Varying terms (depending on the loan amount)
  • No prepayment penalties
  • 24/7 online access to your accounts

Your low-interest rate personal loan options

What’s the biggest difference between a secured and unsecured personal loan you ask? Secured personal loans offer a lower rate while an unsecured personal loan allows you to borrow money without having to worry about collateral.

  • Unsecured personal loans

    Borrow up to $48,000 at a fixed rate (less your Visa line of credit) for up to 72 months with no collateral.

  • Secured personal loans

    Savings-Secured Loan: Borrow against yourself via the money in your Andigo savings account, without closing that account, for up to 60 months. As your loan balance is reduced, you may withdraw the amount repaid.

    Certificate-Secured Loan: Borrow up to 90% of the face value of any Andigo certificate. Repay the loan before or immediately upon the maturity of the certificate.

Open your personal loan today.

apply now

Personal loan interest rates — For the next step in your path.

Product APR*
Share-Secured goLoan

2.00% above (savings) dividend rate

Certificate-Secured goLoan

2.00% above (savings) dividend rate

Unsecured goLoan


Get a low rate on your personal loan today.

apply now

*Annual Percentage Rate (APR) applies to Express Advantage members who make automatic loan payments from an Andigo account. Share-Secured, Certificate-Secured and existing Andigo loans are excluded from any rate deductions. Your actual rate will be based on credit qualifications and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. All  loans subject to credit approval. An example of payment terms are as follows: a vehicle financed with an APR for 8.99% and a term of 36 months would have a monthly payment per thousand dollars of $31.80.

Have questions about our goLoan? We’ve got answers.

I’m approved for my goLoan. What now?

Sweet! Please review the approval email and attachment to see the conditions of your approved loan.

  • Send us any requested documents to or via fax to 847.538.3449.
  • Make sure to reference your App ID# in the subject line or on the cover page.

Oh no! My approval email does not have any conditions listed!

No need to worry. Give us a call at 847.576.5199 (options 3,3) and we will provide all that information for you. We are here to help!

Are there restrictions on how I use my personal loan?

There are no restrictions on how you use the funds from your personal loan. Commonly, people use the funds to consolidate higher interest debt (like credit cards and medical bills), or to fund big projects or expenses (such as new appliances or home projects). Regardless, we do not ask for you to disclose how you will use the funds.

What are the terms of repayment on my personal loan?

There are no prepayment penalties, so you can pay your loan back in full at any time. Our goLoan is not a line of credit, so your payment will be fixed each month, with a pay off date in sight. Make your payment via online/mobile banking or provide a check through the mail or at one of our branch locations.