Important Information: We recognize that the ongoing government shutdown may bring financial uncertainty, and we're committed to supporting you. To learn more about our Shutdown Relief Program for eligible members, click here.

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.

Get Started Today!

Apply Now
beach

Personal Loan Rates

TypeTermAPR Rates* as low asPayment per $1000**
Signature Loan
($500+)		12 Months or less10.99%$87.71
Signature Loan
($2,000+)		13-24 Months11.49%$46.17
Signature Loan
($5,000+)		25-36 Months11.99%$32.52
Signature Loan
($7,500+)		37-48 Months12.49%$25.86
Signature Loan
($10,000+)		49-60 Months12.99%$22.01
Personal Line of CreditOpen Ended15.00%


* 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

Related Products

  • home equity line of credit

    Home Equity Line of Credit

    Home Equity Line of Credit & Fixed Rate 2nd What can you do with your home’s equity…? Anything you want! Pay off high-rate debt, remodel your home, take a vacation… Continue Reading

    Continue Reading
  • Personal Loans

    Personal Line of Credit

    With an OceanAir Personal Line of Credit, you’ll have the flexibility you need to deal with unexpected events that can happen in life.

    Continue Reading
  • Credit Card

    Platinum Visa

    Platinum Visa Low rates are standard with your OceanAir Visa Platinum credit card. OceanAir Visa® Cardholder Benefits VISA Credit Card Application and Solicitation Disclosure 1 APR = Annual Percentage Rate.  Annual… Continue Reading

    Continue Reading
beach image
You are leaving the OceanAir Federal Credit Union website

You are being directed to a third-party website.

Please note that this third-party website is not controlled by OceanAir Federal Credit Union or subject to our privacy policy.

Thank you for visiting our site. We hope your visit was informative and enjoyable.