Important Information: If you have an OceanAir Credit Card, please activate the new card and begin using it on 10/10. Your old credit card will no longer work starting 10/10. This change is being made to offer you an integrated digital experience and more benefits. We thank you for your patience and flexibility. Temporarily Extended Call Center Hours: On Saturday 10/11 our call center hours will be 10am-6pm. On Monday 10/13, Columbus Day, our call center hours will be 9am-6pm. Our branches will be closed in observance of Columbus Day and Indigenous People's Day on Monday, 10/13.

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!

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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

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