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PERSONAL LOANS

Borrow smarter and accomplish your goals

Personal Loans

Borrow smarter and reach your financial goals

The path to financial freedom looks a little different for all of us. But, the Advantis Personal Loan is always a powerful tool you can use to meet your lifestyle goals.

What can this loan do for you?

  • Save thousands with interest rates as low as 9.40% APR*
  • Pay off debt faster when you consolidate credit cards and loans
  • Never worry about your rate changing – this is a fixed, unchanging rate
  • Borrow what you need (up to $50,000 for qualified borrowers)
  • Pay zero dollars in origination, application, prepayment, refinance or annual fees
  • Get it fast with our local decision-making process and quick funding 


Now’s the time. Apply for a Personal Loan today!

APPLY ONLINE    Contact a Loan Officer

Count on an easy, quick loan process. After approval, your loan funds can arrive in your account almost immediately, making this an excellent option for urgent financing needs.

Plus, it’s easy to eSign your loan documents from the comfort of your own home (or your mobile device). There’s no need to visit a branch, unless you want to. (And we’re always happy to see you.)

Borrow smarter

You’re in charge. No matter your goals, the Advantis Personal Loan offers you a great interest rate and a simple, fixed structure that can keep you tracking to your goals…and your budget.

  • Handle unexpected tax payments
  • Pay off medical or credit card debt
  • Upgrade, remodel, or add on to your home
  • Invest in your landscaping
  • Pay for a special vacation or bucket list adventure
  • Cover wedding, education, or other family expenses

Count on rates as low as 9.40% APR*

With us, you belong. Remember, we’re not a corporate bank. Advantis is a local, not-for-profit financial cooperative. We’re owned by our members and account holders – like you. That’s why we return credit union profits to you, so you can bank better with valuable interest rates, plus lower-fee and free financial services.

Turn to Advantis for a Personal Loan

You can move forward with a quick decision-making process, local service, and the financial advice you need. We’re committed to helping you live your best financial life.



Personal Loan1

Rates Effective 10/26/2017
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 5 yrs 9.40% to 17.40% Fixed
1APR= Annual Percentage Rate. APRs range from 9.40% to 17.40% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 9.40% would be $20.51 per $1000 borrowed for 60 months.

Count on an easy, quick loan process.
Once your loan is approved, your funds can arrive in your account almost immediately. That’s why the Advantis Personal Loan is an excellent option for even the most urgent financing needs.

The paperwork is easy.
Visit a branch or eSign your loan documents from the comfort of your own home (or your mobile device). You decide what’s easiest and most convenient for you.

Work with a local Advantis loan officer.
Our loan officers live and work right here in Portland Metro. We’re just a quick call, email, or bus stop away. We’re happy to answer your questions and, when you’re ready, guide you through your loan application and funding experience.

Borrow as much as $50,000.2
Your Personal Loan is flexible, and you can use it for whatever you need. Don’t worry, and don’t wait. With us, you can get a fast decision and quick funding.


APPLY ONLINE    Contact a Loan Officer


2
All loans subject to underwriting approval. Loan authorization amounts will vary for qualified borrowers.


Take a month off. 
Sometimes we need a little flexibility. That’s why we make it easy to skip a loan payment. With an Advantis Personal Loan, you can skip a loan payment once every 12 months for a small, flat fee.

You pick the month that works best for you! Simple. …And helpful, too. Learn more about skipping a loan payment

How can you pay off your debt faster?
Every year, hundreds of our members choose an Advantis Personal Loan to consolidate their higher interest credit cards and bank loans. You have the potential to save thousands in interest expenses, and shave years off your debt repayment. The path to financial freedom doesn’t have to be long or scary.

See what’s possible:

$15,000 
revolving debt

Making only 
minimum payments

$15,000 fixed 
Advantis Personal Loan

APR

17.60% APR variable1

8.49% APR* fixed

Monthly Payment

$450 variable2

(Decreases as you pay down balance)

$308 fixed

Estimated Payoff

22 years, 2 months2

5 years

Interest Savings

$0

$10,6003

*APR= Annual Percentage Rate. APR effective 1/1/2019, APRs range from 8.49% to 16.49%. APRs will be based on your credit qualifications. To qualify for special offer, applications must be received between 1/1/2019 and 3/31/2019. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 8.49% would be $20.51 per $1000 borrowed. 1 APR based on average rate for balance transfer credit cards sourced from www.bankrate.com as of 12/17/2018. 2Based on the Credit Card Minimum Payment Calculator at www.bankrate.com. To view a full amortization schedule click VIEW REPORT. Estimate assumes a starting balance of $15,000 with a minimum principal and interest payment totaling 3% of the outstanding balance, no interest rate change and no additional credit advances. Changes to interest rate may increase or decrease the repayment period. Paying more than the minimum payment will reduce interest paid and the repayment period. 3Savings is an estimate for illustration purposes only and assumes that you make your minimum payment each month on time. Your actual savings may vary depending on the APR and term of your Advantis Personal Loan and the actual terms of your credit card account.

Run your numbers, and see what’s possible.
Use the Advantis Loan and Credit Line Payment Calculator to estimate your interest costs and savings, including your loan repayment timeline.

You can always contact a loan officer to walk you through your options and a Personal Loan scenario, too. This process should be easy…and transparent, too. We’re here to help you and serve your best interests, so do reach out with questions.








*APR= Annual Percentage Rate. APR effective 4/1/2019, APRs range from 9.40% to 17.40%. APRs will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 9.40% would be $20.95 per $1000.00 borrowed. Loan authorization amounts will vary for qualified borrowers.


Ready for your Personal Loan?


Apply Online
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