A couple laughing together while having coffee


Leave high interest behind

Borrow smarter and pay off debt years earlier

It's just plain smart to look for every way you can to shed high-interest debt quickly. Which is why it makes sense to consolidate your higher-interest credit cards and loans with a fixed-rate Advantis Personal Loan.

What can this loan do for you?

Save thousands with interest rates as low as 11.99% 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 $30,000 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 

Enjoy all the perks

Money icon     Borrow as much as $30,000.2
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.

Icon loan officer     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.
Easy Icon    

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.

Loan docs icon     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 11.99% 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.

Personal Loan1

Rates Effective 04/01/2024
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 5 yrs 11.99% to 19.99% Fixed



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:

revolving debt

Making only 
minimum payments

$15,000 fixed 
Advantis Personal Loan


24.66% APR variable1

11.99% APR* fixed

Monthly Payment

$450 variable2

(Decreases as you pay down balance)

$333.59 fixed

Estimated Payoff

38 years 2 months2

5 years

Interest Savings



What will my loan payment be?

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.

First-time borrower?
Our Start Financial Program offers special accounts, learning, and advice for teens, young adults, and members new to loans.


Get Started

Applying online usually takes less than 10 minutes. You can help make it quick and easy by having the following documents available in case we need them to process your application:

  • Current paystub, depending on loan amount and credit history
  • Statement(s) for creditors being paid off (when consolidating current loans)

In most cases, a Member Advisor will follow up with you within one business day of applying. And once your application is complete, we generally have a loan decision within one business day.

Apply online in minutes

Already a member? Sign in to Online Banking to streamline your application.

Stop by an Advantis branch

Call Advantis

(Mon-Fri, 8am-6pm)

*APR= Annual Percentage Rate. APRs range from 11.99% to 19.99%. APRs will be based on your credit qualifications. APR effective as of 04/19/2024. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 11.99% would be $22.24 per $1000 borrowed. 1. APR based on average rate for credit cards sourced from https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/ as of 04/17/2024. 2. Based on the Credit Card Minimum Payment Calculator at https://pigly.com/credit-cards/amortization.php. To view a full amortization schedule click “Payment Schedule.” 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. 3. Savings 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.