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Start borrowing smart

Borrow for whatever you need

Start Financial Program logoWhen it comes to this personal loan, the choice of what to buy is entirely up to you. Our Start Personal Loan is part of our Start Financial Program which offers special accounts, learning, and advice for teens, young adults, and members new to loans.

If you’re under 18 years old: We welcome you to apply for a Start Personal Loan, as long as you have a parent or other co-signer on your loan. Parents will have access to monitor and help manage their child’s loan and make a payment through online and mobile banking.

Start Personal Loan features:

  • Flexible terms for members new to loans
  • Loan amounts up to $3,000
  • Low, fixed interest rate

Get all the details:

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Special program for members new to loans

Don’t be nervous if you’re new to this. We’ve built a program just for you! Our Start Personal Loan features flexible terms and excellent rates for members who are just starting out.

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Borrow up to $3,000 for whatever you need  

Purchase a new bike, laptop, phone, or whatever else you may need.

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Low, fixed interest rates

You can rest easy knowing you’re getting a loan at a low rate (meaning you save money) and that’s fixed (so it will never adjust). We keep it simple!

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We’ll be your guide from start to finish

You’ll have the guidance of a local loan officer, from application to getting your funds. They’ll be there to answer your questions, and help you get your funds quickly and easily.


Start Personal Loan Rates

With low, fixed interest rates you’ll save more when you borrow from Advantis.

Start Personal Loan1

Rates Effective 05/08/2019
Personal Loan Up to 3 yrs 16.40% to 24.40% Fixed

1APR= Annual Percentage Rate. APRs range from 16.40% to 24.40% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 3-year personal loan at 16.40% would be $35.35per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old.


Boost your money smarts with free online learning

After you open any account or loan that’s part of the Start Financial Program, we’ll email you short videos that will teach you all the basics when it comes to your finances. Below are the videos you’ll receive after you get a Start Personal Loan.


Click to watch now:


Want to keep learning now?  Watch more videos:

Financial Education Center

Bank from your phone – anywhere, anytime

Manage & move your money in just a few taps with the Advantis Mobile App
  • It’s like a branch in your pocket
  • Make a loan payment
  • Check your balance and transfer money in seconds
  • Deposit your checks from your phone, anytime
  • Setup account alerts
  • Use Apple Pay®, Samsung Pay®, Google Pay™ with your debit card
  • Parents: As a joint account owner, you’ll have access to monitor and
    help manage your child’s account and transfer funds to them

Learn more about online and mobile banking:

Online & MobIle banking

Mobile app on a mobile phone


It’s easy to apply for a Start Personal Loan!

First, a couple simple questions:

Are you 18 years old (or older)?

You have several easy options to open a new Start Personal Account:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because you must have a parent or other co-signer on your Start Personal Loan, please choose one of the following options:

For additional information:
  • Send us a secure email inside Online Banking
  • Call us at 503-785-2528 (Monday – Friday,
    8am – 6pm)

Start Personal loans are subject to credit approval.