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 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
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.)
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
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.
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.
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.
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.
*APR= Annual Percentage Rate. APR ranges from 9.40% to 17.40%. APR will be based on your credit qualifications. APR effective 06/01/2022. 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 for 60 monthly payments. 1. APR based on average rate for credit cards sourced from www.creditcards.com as of 06/01/2022. 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.