Affordable loans can open a world of possibilities.

Maybe you just need some extra cash to cover some unexpected bills, pay for repairs, or make a modest purchase. Or perhaps you're looking for a game-changer, a significant amount of money to upgrade your house, launch a business, or put a son or daughter through college. No matter your needs, Advantage One has personal loan options that can make your life richer in all sorts of ways.

For more details or to apply:

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Unsecured Loans

A good credit history and solid financial outlook can be your ticket to money for anything from a big-ticket purchase to a dream vacation. However you choose to use it, an Unsecured Loan puts cash in your pocket with no collateral or down payment requirements.

  • Low, fixed rate

  • No payment for up to 60 days²

  • Flexible terms


Personal Loan Rates

Rates accurate as of

Loan Rates
Product APR1 as Low as Term
Personal Unsecured2 % 36 months
Personal Unsecured2 (minimum loan amount $5,000) % 60 Months
Personal Unsecured2 (minimum loan amount $10,000) % 72 Months

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. All loans are subject to approval. Rates, terms and conditions are subject to change. Member must be in good standing.

 

Personal Line of Credit 

Sometimes, we don't need funds in one big chunk but in smaller portions spread over time. A line of credit gives you access to a pool of money you can tap into over a period of years for any reason at all. As you pay it back, the money can be used again on anything from major expenses to smaller financial emergencies.

  • Low monthly payments²

  • Interest paid only on the funds borrowed

  • Access funds through Online Banking, over the phone, or by visiting a branch

  • No collateral required

 

Personal Line of Credit Rates

Rates accurate as of

Loan Rates
Product APR1 as Low as Term
Personal Lines of Credit2 % Revolving

1APR=Annual Percentage Rate. All loan rates cited as APR.

2All loans are subject to approval. Rates, terms, and conditions are subject to change. Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. All loans are subject to approval. Rates, terms and conditions are subject to change. Member must be in good standing.

 

Share Secured Loans

Here's a smart choice if you're looking to build credit or make a purchase but don't want to dip into your savings. With a Share Secured Loan, you borrow against your Advantage One savings or Share Certificate balance and receive a low-rate loan while still earning dividends on your deposits.

  • Lower rates than many other unsecured loans

  • No payment for up to 60 days²

  • An excellent way to build or rebuild credit

  • Flexible terms

 

Share Secured Loan Rates

Rates accurate as of

Loan Rates
Product APR1 as Low as Term
Share Secured Loan2$10,000 % Max Term 48 Months

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. All loans are subject to approval. Rates, terms and conditions are subject to change. Member must be in good standing.

 

Debt Consolidation Loans

Pay off high-interest credit cards or personal loans with a loan featuring a lower interest rate and one manageable monthly payment. A Debt Consolidation Loan can come in the form of an unsecured, secured, or home equity loan.

  • Save money compared to high-rate credit cards

  • One predictable monthly payment makes budgeting easier

  • Flexible terms to fit many budgets

  • To get started, call (734) 676-7000 or text us 

 

Debt Consolidation Loan Rates

Rates accurate as of

Loan Rates
Product APR1 as Low as Term
Debt Consolidation Loan2 Rates and terms vary with loan type. May be an unsecured loan, secured loan, or home equity loan.

1APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

2Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. All loans are subject to approval. Rates, terms and conditions are subject to change. Member must be in good standing.