Personal and other loans
The money you need is always within reach.
Realize your goal with OnPoint’s flexible, affordable options, fast financing and an easy online application with instant approvals.
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Compare personal loan options with OnPoint.
Personal Loans
Best for:
Best for:
Loan amount
Loan amount
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.
Loan amount
Up to $25,000
Fixed rate
Variable rate
Saving Secured Loans
Best for:
Borrowing against your savings account to take advantage of a lower rate compared to loans on other assets.1
Loan amount
Up to the balance of your Savings account
Fixed rate
Variable rate
Payday Advantage™ Loans
Best for:
Borrowing short-term funds to help cover unexpected expenses between paychecks.2
Loan amount
$200 - $600
Fixed rate
Variable rate
Personal Lines of Credit
Best for:
Best for:
Loan Amount
Loan Amount
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.
Loan Amount
$100 - $25,000
Variable Rate
Overdraft Protection available
Saving Secured Lines of Credit
Best for:
Reestablishing or rebuilding your credit.
Loan Amount
Up to the balance of your Savings account
Variable Rate
Overdraft Protection available
Rates
Type | Available terms | Annual percentage rate | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 01-17-2025 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 11/10/24, Prime Rate is 7.75%. 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. 4 Savings and CD secured loan or line of credit minimum amount $100, not to exceed pledged amount on savings or 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 17.75% - 19.75% 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 even more from your OnPoint membership.
What’s right for you? Find more ways to save.
Save more with OnPoint Rewards, you could be eligible to receive special benefits and discounts.
OnPoint Signature Visa® with Cash Back Rewards
Earn 2% cash back on all purchases. Your rewards are redeemed automatically for cash annually and deposited to your OnPoint Checking account.
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Disclosures
All OnPoint loans are subject to credit terms and approval.
1 Variable APR 3% above what your savings account currently earns.
2 Loan amount limited to 20% of gross monthly income, up to a maximum of $600.
