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 in person:

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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 days¹

  • Flexible terms

¹Interest 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 payments¹

  • Interest paid only on the funds borrowed

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

  • No collateral required


¹All loans are subject to approval. Rates, terms and conditions are subject to change.

 

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 days¹

  • An excellent way to build or rebuild credit

  • Flexible terms

¹Interest 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.

 

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 

Personal Loan Rates

Rates accurate as of

Loan Rates
Product APR as Low as Term
Personal Unsecured % 36 months
Personal Unsecured (minimum loan amount $5,000) % 60 Months
Personal Unsecured (minimum loan amount $10,000) % 72 Months
Personal Lines of Credit %
Share Secured Loan % Max Term 48 Months
Debt Consolidation Loan Rates and terms vary with loan type. May be an unsecured loan, secured loan, or home equity loan.

All loans are subject to approval. Rates, terms and conditions are subject to change.