LOCAL RESET
It's Time to Hit Reset on Your Finances.
Whether you're consolidating debt, making a purchase, handling an unexpected expense, or paying for holiday expenses, the LincOne Local Reset can help you take care of what's next.
48 Month Local Reset Loan - as low as 8.99% APR*
COULD YOUR NEXT PAYMENT BE ON US?*
One member every month - October 2026-January 2027. Up to $500.*
Every month during the Local Reset Promotion, one eligible member will be selected to have their LincOne loan payment paid for by LincOne, up to $500.* Qualifying Local Reset Loans receive an automatic entry. No purchase necessary. See official rules for complete entry details.
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Qualifying Local Reset Loan
- A qualifying Local Reset Personal Loan receives one automatic entry into that month's drawing.
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Monthly Drawing
- One eligible member is randomly selected each month.
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Win Your Payment
- LincOne applies the prize directly to an eligible LincOne loan as a regularly scheduled payment, up to $500*.
No purchase necessary. See official rules for alternate entry method and complete promotion terms.
WHAT'S YOUR LOCAL RESET?
Consolidate Debt
Handle an Unexpected Expense
Make a Purchase
Pay For Holiday Expenses
Complete a Project
Hit Reset, and Start Fresh
Membership minimum balance of $25 required.
| Terms up to | APR | Approximate Monthly Payment Per $1,000.00 |
|---|---|---|
| 24 Month | As low as 8.99%* | $46.58 |
| 36 Month | As low as 8.99%* | $32.73 |
| 48 Month | As low as 8.99%* | $25.00 |
| 60 Month | As low as 12.75%* | $22.87 |
Loan Notes: Payment Example: On a $15,000.00 personal loan, 48 month term with 8.99%* APR, the monthly payment would be approximately $373.00 All rates advertised require an autopay from a LincOne Checking Account. **Overdraft Protection: 12.00% APR **Line of Credit: 12.00% APR Share Secured: As low as 3.00% APR (Fixed Rate) Certificate Secured: 3.00% APR Plus Highest Certificate Rate All variable loan rates subject to change without notice and with approved credit. . | ||
PAYMENT EXAMPLE: A $12,000 Local Reset loan at 8.99% APR with a 48-month repayment term would be approximately 48 monthly payments of $299.
Loan Detail
Loan amount
APR
Repayment term
Monthly payment
Total of payments
Total interest
Amount
$12,000
8.99%
48 months
$299
$14,331
$2,331.00
Illustrative example assumes an 8.99% APR, monthly payments, and no additional fees. Actual payments and total costs may vary based on loan terms and applicable fees.
Frequently Asked Questions FAQs
What is the Local Reset?
- The LincOne Local Reset loan is a limited-time LincOne loan promotion running October 1st, 2026, through January 31st, 2027. Qualifying Local Reset Personal Loans receive an automatic entry for a chance to have one (1) regularly scheduled loan payment covered, up to $500*.
How do I automatically enter?
- Eligible members who receive a qualifying Local Reset Personal Loan that is approved, funded, and disbursed during the promotional period automatically receive one (1) entry.
What loan types qualify?
- Qualifying Local Reset Personal Loans qualify for automatic entry. See official rules for complete eligibility requirements and exclusions.
What is the Prize?
- One eligible member will be selected for each month of the promotion to receive one regularly scheduled payment on an eligible LincOne loan, up to $500*. Four (4) winners will be selected during the promotion.
When are winners selected?
- One winner will be selected each month for the October 2026, November 2026, December 2026, and January 2027 drawing periods. Drawings will occur on or about the 5th of the following month. See rules for more details.
Can I win more than once? Can I enter more than once?
- No. Each eligible member is limited to one (1) entry during the Local Reset promotion. A qualifying Local Reset Personal Loan will provide one automatic entry, or an eligible member may submit one manual entry. Entries do not carry over to the following month. An eligible member may win only once during the promotion. Non-winning entries will not carry to the following month.
Ready For a Reset?
Visit a LincOne Location
*With approved credit. Federally insured by NCUA. Subject to LincOne’s standard underwriting guidelines and credit evaluation. Membership eligibility and $25 savings account are required. Rates subject to change without notice. New money only, $1,000 minimum. Qualifying “Local Reset” Personal Loans receive an automatic entry. Promotion period: October 1, 2026 – January 31, 2027. Other eligible loan types require manual entry. No purchase necessary. See official rules here.
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