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Personal and other loans

Flexible loan options for every need.

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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Love love love them so much! Super caring and helpful every single time.

- Ashley S.

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

Looking for more flexibility? Consider an OnPoint Visa® credit card.

OnPoint’s Platinum and Signature Visa® credit cards provide access to the funds you need with added convenience, security and the ability to earn rewards.

Learn more and apply today

Rates

Personal loans and other Loans
Personal loans and other Loans

Available terms

Annual percentage rate

Estimated minimum monthly payment

Rates Effective: 03-19-2024

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 Bundle 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.

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 8/10/23, Prime Rate is 8.50%. 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.

Personal line of credit

Available terms

N/A

Annual percentage rate

18.50% - 20.50% variable rate1, 2

Estimated minimum monthly payment

2% of outstanding balance or $25, whichever is greater

Personal loan3

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

Savings or CD secured loan or line of credit4

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
Line of credit: 2% of outstanding balance or $25, whichever is greater

Payday advantage loan

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 your bundle? Find more ways to save.

Save more with Bundle Rewards, you could be eligible to receive special benefits and discounts.

Qualifying is easy—learn how

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.

Learn more about credit card options
Calculate how to reach your goal.

Get the flexible financing you need today.

Stop by an OnPoint branch.

Find a nearby location or ATM

Apply online.

Get started today

Give us a call.

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.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

 

 

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