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Share Secured Loan

Build credit history the smart way with Advantis

Borrow against your savings to get the loan you need

An Advantis Share Secured Loan is a great way to establish and rebuild credit. By borrowing against money in your regular savings account and paying your loan on time, a share secured loan can help you set the path to financial success while keeping your interest rate low.

What can this loan do for you?

  • Save with a low interest rate of 2.75%* APR
  • Leave your savings account untouched to continue earning dividends
  • Rebuild or establish credit if you’re having a hard time getting a loan because of your payment history
  • Borrow what you need (up to $50,000 for qualified borrowers, no minimum required)
  • Pay no application or annual fees

Get it fast
 with a simple application – there is less paperwork because your loan is secured

Apply Online      Contact  a loan officer


Enjoy all the perks

Borrow as much as $50,000
Use your share secured loan for whatever you need. Don’t worry, and don’t wait. The application is free and easy; credit approval and income verification are not required.

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

It’s easy to make a payment
Periodic payment options are available, or if you prefer to pay old-school, ask us for a cash payment coupon.

No penalty for early payoff
Ready to pay off your loan early? No problem, and no penalty!


Count on low rates

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.

Share Secure Loan

Rates Effective 12/09/2020
Loan Type Terms Annual Percentage Rate* Rate Type
Share Secured Loan Up to 10 years 2.75% Adjustable
*APR= Annual Percentage Rate. APR is 2.75% effective 2/15/2022. Adjustable rate Loan up to $50,000 secured by funds on deposit at Advantis. The APR is adjustable and is based on the average nominal interest rate (excluding the zero interest tier) the credit union pays on its Regular Savings (the index), plus a margin. Payment on a 10- year loan at 2.75% would be $2.75/month per $1000 borrowed for 120 months.


Get Started

Apply for a share secured loan

Stop by an Advantis branch

Call Advantis

(Mon-Fri, 8am-6pm)