Lots of questions. All the answers.

Search by keyword or keyword(s) in our help center for answers to your questions. Or, send us a secure message via online banking if you can’t find what you’re looking for. We’ll get you on your way ASAP. 


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 loandocs@andigo.org or via fax to 847.538.3449.
  • Make sure to reference your App ID# in the subject line or on the cover page.

Does Andigo offer personal/signature loans?

We do but...unsecured / private / signature loans have a higher interest rate, so maybe first consider our secured loan options?

A) Fixed Rate Home Equity Loans, which let you borrow money against the available equity in your home.

-We offer 5, 7 or 10 year terms in certain states.

-Up to 90% CLTV (the appraised value minus 1st mortgage balance).

-Texans, you get up to 80% CLTV maximum in Texas.

B) Variable Rate Home Equity Lines of Credit (HELOCs).

- We offer 15 year HELOCs with Principal & Interest or Interest-Only repayment options in certain states.

- Up to 90% CLTV with Texas getting up to 80% CLTV maximum and 50% of property value maximum.

C) Mortgages which are best if you're on the hunt to consolidate debt because you could refinance your existing mortgage to get cash out.

D) Title-secured loans where you can borrow up to 100% of the available equity in your vehicle if you have a free and clear (no lien) vehicle title, as long as it's not a rebuilt or salvaged car. Because it's considered a vehicle loan, you'll need full insurance coverage with Andigo listed as Loss Payee and Comprehensive and Collision Deductibles no greater than $1,000 is required.

E) Vehicle refinances lets you use the available equity in your vehicle is to refinance your vehicle to get cash out.

F) Share (or savings)-secured loans where you borrow against the money in your Andigo share (savings) account without closing that account. Your loan balance will be reduced as you pay it, so you can withdraw the principal amount repaid.

G) Certificate (or CD)-secured loans lets you borrow up to 90% of the face value of any Andigo Certificate of Deposit. You repay the loan monthly, and it must completely repaid before or immediately upon the maturity of the certificate.

H) None of the above. Check out our personal/signature loans.

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!

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.

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.