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Invest In Your Health And Well-Being

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.

    • 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

TypeFeatures and/or Approximate Term*Annual Percentage Rate (APR)*
Health Smart Loanup to 48 months for up to $5,000as low as 9.24% APR
60 months for $5,001-$15,000as low as 10.24% APR
72 months for $15,001-$25,000as low as 11.24% APR

These rates were last reviewed and/or updated on 06/14/2024.
*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.

APR ranges from 9.49% to 17.99%. Repayment terms from 48 months to 72 months.

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