An easy way to borrow, with funds to use how you see fit.
This credit is there when you need it; available and flexible.
Borrow up to the balance of your Savings. This is perfect for members who are establishing or rebuilding credit.2
Short-term financing to help cover unexpected expenses that fall between paychecks. It’s a safe alternative to standard payday loans.1
Up to $25,000
$100 - $25,000
Up to the balance of your Savings account
$50 - $600
| Available Terms | Annual Percentage Rate | Alert Me | |
|---|---|---|---|
| Personal Line of Credit | N/A | 14.75% - 16.75% Variable APR | |
| Personal Loan | Up to 60 Months | 10.00% - 16.00% Fixed APR | |
| Savings or CD Secured Loan or Line of Credit | N/A | Pledged account interest rate plus 3.00% | |
| Payday Advantage Loan | See Terms and Conditions | 12.00% | |
| Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.) | |||
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Make the most of your membership with Bundle Rewards. Eligible members receive special benefits and discounts!
OnPoint’s employees work closely with local organizations to deliver resources and support where it’s needed most.
When you share OnPoint, everybody wins. Earn $25 for your friends and business associates.*
All OnPoint loans are subject to credit terms and approval.
1 Maximum amount is 20% of member’s next paycheck or $600, whichever is less.
2 Variable APR 3% above what your savings account currently earns.