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Lifestyle Loans

Your moments matter. Your dreams matter.

From life’s biggest milestones to the little adventures you’ve been waiting for, we’re here to help you make them happen. Whether it’s a once-in-a-lifetime trip, saying “I do,” welcoming a child, or following a passion that’s all your own – we’re ready to be the partner that helps bring your vision to life.

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Use it how you need

Flexible funds, no collateral required

Unsecured loans from Volt give you quick access to cash—no car or house required. Use it for what matters most to you.

  • Debt consolidation

  • Vacation

  • Large purchases

  • Home improvements

  • Holidays

  • and more...

Quick cash, no collateral required

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Use it your way

Cover anything from debt consolidation to vacations or emergency repairs—it’s your call.

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Fast approval process

We keep things moving, so you can get the funds you need—right when you need them.

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Competitive rates

Save more over time with rates designed to work for you. Enjoy competitive interest rates that keep your financial goals within reach.

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Flexible terms

Choose a repayment plan that works with your lifestyle and budget.

Skip a payment anytime

Skip a Pay can only be used on auto loans, boat loans, RV loans, motorcycle loans, and other secured or unsecured installment loans.

The loan must:

  • Have been open for at least six months
  • Not have had a payment skipped in the previous 12 months
  • Not be currently past due (must be current or not delinquent more than 15 days unless an exception is made)

Skip-A-Pay cannot be used on:

  • Credit cards
  • Real estate loans (including mortgages and HELOCs)
  • Any open-end lines of credit

 

Forms must be submitted with the fee at least 10 days before your due date.

*Processing fee may be less than $50. See the Skip Form for full details.

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Personal Loan Calculator

Calculate your potential loan payments quickly with our easy-to-use tool.

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Monthly Payment

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Rate (APR)
%
Term
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This calculation represents an estimate.
The rate shown in the calculator is an example only.
Check with us for current rates.

Volt made consolidating my debt so simple! With their Lifestyle loan, I combined all my payments into one low monthly bill and finally feel in control of my finances again. Thank you!

— Carlie W

Member since 1989

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Your questions answered

  • Absolutely! We offer loans that don’t require any collateral, just you and your goals. Whether you’re looking to consolidate debt, cover medical expenses, take a well-deserved vacation, or tackle something else entirely, we’re here to help. We’ll review things like your credit score, employment and credit history, income, and a few other factors to make a lending decision that’s right for you. No hoops, no hassle, just people helping people.

  • There’s no set minimum credit score to apply since we look at the full picture. That includes your credit score, but also your employment and credit history, income, and other factors that help us understand your situation. Our goal is to make lending personal, not one-size-fits-all. Let’s talk and see how we can help!

  • Yes, if you’re running short or need some extra cash, don’t stress over your loan payment, Just skip with our Skip-A-Pay.

Ready to apply for an unsecured loan?

Apply today. Stress less tomorrow.

Whether it’s an unexpected expense or a long-overdue getaway, Volt makes it easy to get the cash you need—quickly and confidently.

Apply now! View rates

Rates

Unsecured Loans

Rates effective as of: October 27, 2025

* APR = Annual Percentage Rate. Rate may vary depending on each individual’s credit history and underwriting factors. Terms vary. The APR shown is based on a $10,000 loan with a $100 origination fee and all relationship discounts. APRs will be calculated individually based on each loan application. All loans OAC, some restrictions may apply.*

Other Secured Loans (Without Titles)

Rates effective as of: October 27, 2025

* APR = Annual Percentage Rate. Rate may vary depending on each individual’s credit history and underwriting factors. Terms vary. APRs will be calculated individually based on each loan application. All loans OAC, some restrictions may apply.*

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Rates effective as of: October 27, 2025

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