Personal Loan

This is a simple closed-ended loan that is designed to help you pay for the things you need, without breaking your budget.

Fast approval and funding
Fixed-rate for 12 to 60 months¹
Use for any purpose
No collateral required
$500 minimum loan amount

¹ Loan terms and conditions depend on credit qualifications and approval. See payment examples below.

Personal Loan Rates

Type	Term	APR Rates* as low as	Payment per $1000**
Signature Loan ($500+)	12 Months or less	10.49%	$88.17
Signature Loan ($2,000+)	13-24 Months	10.99%	$46.62
Signature Loan ($5,000+)	25-36 Months	11.49%	$32.98
Signature Loan ($7,500+)	37-48 Months	11.99%	$26.34
Signature Loan ($10,000+)	49-60 Months	12.49%	$22.51
Personal Line of Credit	Open Ended	15.00%

* APR = Annual Percentage Rate. Rates vary with the amount financed, term, and credit history, and are subject to change without notice. Rates apply to new money loans only. Please contact our Loan Sales Team at (805) 988-2151 ext 2806 for rates on refinancing existing OceanAir loans. Rates above include a 0.50% rate discount for Epic Premium Checking account holders only.

** based on maximum term

Personal Loan

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Personal Loan Rates

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