Personal loans for everything you need
The money you need, when you need it.
Get access to credit from a trusted lender. With a Personal Loan from OnPoint, you have the freedom to spend it the way you want. Use your Personal Loan for an emergency, an unexpected expense, to consolidate debt, or to make a purchase. Realize your goal with OnPoint’s flexible, affordable options, fast financing and an easy online application with instant approvals.
Competitive rates
Quick loan decisions
Flexible repayment terms
Personal loans
Personal loans
Best for:
Using your funds how you want. It’s a great option for various purchases and unexpected expenses.3
Loan amount
Up to $25,000
Annual percentage rate (APR)
11.00% - 16.00% fixed rate1
Available terms
Up to 60 Months
Estimated minimum monthly payment
$270.76 based on a 4-year, $10,000 loan at 13.50% APR
Fixed rate
Variable rate
Personal loans
Best for:
Best for:
Loan amount
Loan amount
Annual percentage rate (APR)
Annual percentage rate (APR)
Available terms
Available terms
Estimated minimum monthly payment
Estimated minimum monthly payment
Fixed rate
Fixed rate
Variable rate
Variable rate
Personal loans
Best for:
Using your funds how you want. It’s a great option for various purchases and unexpected expenses.3
Loan amount
Up to $25,000
Annual percentage rate (APR)
11.00% - 16.00% fixed rate1
Available terms
Up to 60 Months
Estimated minimum monthly payment
$270.76 based on a 4-year, $10,000 loan at 13.50% APR
Fixed rate
Variable rate
Personal lines of credit
Personal lines of credit
Best for:
Accessing credit when you need it, to use for whatever you need it for.2
Loan amount
$100 - $25,000
Annual percentage rate (APR) - see additional rate details.
16.75% - 18.75% variable rate1, 2
Available terms
N/A
Estimated minimum monthly payment
2% of outstanding balance or $25, whichever is greater
Variable rate
Overdraft protection available
Personal lines of credit
Best for:
Best for:
Loan amount
Loan amount
Annual percentage rate (APR) - see additional rate details.
Annual percentage rate (APR) - see additional rate details.
Available terms
Available terms
Estimated minimum monthly payment
Estimated minimum monthly payment
Variable rate
Variable rate
Overdraft protection available
Overdraft protection available
Personal lines of credit
Best for:
Accessing credit when you need it, to use for whatever you need it for.2
Loan amount
$100 - $25,000
Annual percentage rate (APR) - see additional rate details.
16.75% - 18.75% variable rate1, 2
Available terms
N/A
Estimated minimum monthly payment
2% of outstanding balance or $25, whichever is greater
Variable rate
Overdraft protection available
Rates
Type | Available terms | Annual percentage rate | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 08-01-2026 All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. 1 OnPoint Rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans, with the exception of Payday Advantage loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 2 Personal line of credit rate is variable based on the prime rate plus a margin of 10.00% – 12.00%, depending on credit worthiness. Prime rate is subject to adjustment on the 21st day of each month based on the prime rate published in the Wall Street Journal on the 10th day of the month (or next business day if the 10th falls on a weekend). As of 01/10/25, Prime Rate is 6.75%. personal line of credit includes $24 annual fee. Personal line of credit minimum $100 limit, not to exceed $25,000. 3 Personal loan minimum amount $100, not to exceed $25,000. 4CD secured loan minimum amount $100, not to exceed pledged amount on CD balance. 5 Payday advantage loan amount limited to 20% of gross monthly income, up to a maximum of $600. Minimum loan amount is $200. Payment is due in two monthly payments of equal amounts. Limited to no more than three payday advantage loans within the past six months. | |||
Type | Available terms N/A | Annual percentage rate 16.75% - 18.75% variable rate1, 2 | Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater |
Type | Available terms Up to 60 Months | Annual percentage rate 11.00% - 16.00% fixed rate1 | Estimated minimum monthly payment $270.76 based on a 4-year, $10,000 loan at 13.50% APR |
Type | Available terms N/A | Annual percentage rate Pledged account interest rate plus 3.00%1 | Estimated minimum monthly payment Loan: 2% of original balance or $25, whichever is greater |
Type | Available terms See terms and conditions5 | Annual percentage rate 12.00% fixed rate | Estimated minimum monthly payment Two payments of $152.28 based on a $300 payday advance at 12.00% |
Get the flexible financing you need today.
Disclosures
All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
- OnPoint Rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans, with the exception of Payday Advantage loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
- Personal line of credit rate is variable based on the prime rate plus a margin of 10.00% – 12.00%, depending on credit worthiness. Prime rate is subject to adjustment on the 21st day of each month based on the prime rate published in the Wall Street Journal on the 10th day of the month (or next business day if the 10th falls on a weekend). As of 01/10/25, Prime Rate is 6.75%. personal line of credit includes $24 annual fee. Personal line of credit minimum $100 limit, not to exceed $25,000.
- Personal loan minimum amount $100, not to exceed $25,000.
- CD secured loan minimum amount $100, not to exceed pledged amount on CD balance.
- Payday advantage loan amount limited to 20% of gross monthly income, up to a maximum of $600. Minimum loan amount is $200. Payment is due in two monthly payments of equal amounts. Limited to no more than three payday advantage loans within the past six months.
