A Health Smart Loan from Carolina Trust is designed to help cover the costs of elective or emergency medical or dental procedures and/or facility costs associated with the procedures.
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- Borrow up to $25,000
- Low loan rates*
- 48, 60, or 72 month terms
- First payment can be deferred for up to 60 days**
*Loan approval and approved Annual Percentage Rate subject to credit worthiness.
**First payment deferral is optional. If you defer your first payment, your monthly interest payment may be higher than non-deferred payments. Interest charges will continue to accrue at the agreed rate stated in loan agreement.
Health Smart Loan Rates
| Type | Features and/or Approximate Term* | Annual Percentage Rate (APR)* |
|---|---|---|
| Health Smart Loan | up to 48 months for up to $5,000 | as low as 9.24% APR |
| 60 months for $5,001-$15,000 | as low as 10.24% APR | |
| 72 months for $15,001-$25,000 | as low as 11.24% APR |
These rates were last reviewed and/or updated on 12/20/2024.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A personal loan of $10,000 at 10.24% APR for a term of 60 months would result in a monthly payment of approximately $213.65.
