beneficial personal loans

Loans and Lines of Credit

You know what you want out of life – we can help you make it happen.

Introductory 2.25% Annual Percentage Rate* Home Equity Line of Credit

Featured Rates

Determine what loan is right for you by evaluating the rate, Annual Percentage Rate (APR), and points.

30 Year Fixed Rate

Rate APR Points
4.000% 4.037% 0.000%

15 Year Fixed Rate

Rate APR Points
3.500% 3.565% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
4.000% 4.026% 0.000%
See Details and Disclosures
Rates are subject to change

These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend.

Heloc

Home Equity


  • A line of credit that helps you get to work.

    jumbo mortgage house imageHome Equity Lines of Credit – Introductory 2.25% Annual Percentage Rate*

    If you need some extra cash, get the money you need with our quick approvals and our low introductory rate of 2.25% APR with automatic payment deduction from a Start EarningSM, Start BenefitingSM or Start RewardingSM Package account.

    Quick approval process | Flexible – Funds available when you need them | Only pay interest on the funds you’ve used | Interest may be tax-deductible**


  • If you’re looking for a loan, you’re looking for possibilities.

    jumbo mortgage house imageHome Equity Term Loans

    Whether you're paying for college, improving your home or consolidating debt, Beneficial offers a variety of options to help you find the right loan. And, with local service and quick decision makers, we help you get the answers you need when you need them.

    Interest may be tax deductible** | Amounts starting at $5,100 | Borrow up to 80% of the equity in your home

Personal Loans*

Smart banking is finding the right loan at the right terms. Whether you're looking for a new car or need a loan with flexible collateral alternatives, our competitive rates and quick approvals can help get you what you need.




Unsecured loans at
competitive rates

Loan pic



Various repayment
terms available

See Rates



For questions, please call your local branch or our Customer Contact Center at 888.742.5272.
To apply for a Personal Loan, please visit your local branch.

*All loan products subject to credit approval.

From the Glossary

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transactions that is required by law. More terms

Planning Tools

Need help planning?

These tools can help you get started.

The latest rates

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Check out the most up-to-date rate information for mortgages, home equity, personal loans and credit lines.

See Rates

Rate Watch

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Keep an eye on the current rates with our rate watch emails.

Sign Up for Rate Watch Emails

Explore your options

calculate your finances

Get an idea of how much your monthly payments will be, how much you can get a mortgage for or whether refinancing is your best option with our handy calculators.

Loan Calculator

Beneficial always recommends you consult with your financial and tax advisors.

Unsecured Credit Line

Even if you don’t have collateral, you can borrow from us and still get lower rates than most credit cards.

Apply once for quick
approval*

Pay lower rates than
most credit cards

Lines of credit

Write checks up to your
own credit limit

See Rates



For questions, please call your local branch or our Contact Center at 888.742.5272.
To apply for an Unsecured Credit Line, please visit your local branch.

*All loan products subject to credit approval.




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1818 Beneficial Bank Place
1818 Market Street
Philadelphia, PA 19103

888.742.5272
info@thebeneficial.com
The use of non-secure email is intended for general questions, inquiries and comments only. Confidential Customer information cannot be accepted electronically.


Routing No: 236075689
SWIFT Code: BENFUS33

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USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you – When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.