Dad and his daughter playing


Consolidate your debt or handle unexpected expenses

Get the financing you need with big interest savings

An Advantis Personal Loan is a smart move on the path to financial freedom. And with rates as low as 9.40% APR*, now is the perfect time to consolidate your higher-interest credit cards and loans.  

If you are experiencing financial hardship due to COVID-19, please reach out to us for assistance before applying for a loan. We’re here to help! Learn more about member hardship assistance.


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 

Enjoy all the perks

    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.

    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.

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.

    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.

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. APR effective 04/01/2020. 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 borrowed.



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


17.27% APR variable1

9.40% APR* fixed

Monthly Payment

$450 variable2

(Decreases as you pay down balance)

$315 fixed

Estimated Payoff

21 years, 9 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.


Get Started


Apply for a personal loan

Stop by an Advantis branch

Call Advantis

(Mon-Fri, 8am-6pm)
*APR= Annual Percentage Rate. APR effective 04/01/2020. APRs range from 9.40%-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 borrowed. 1APR based on average rate for balance transfer credit cards sourced from as of 04/01/2020. 2Based on the Credit Card Minimum Payment Calculator at 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.