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Personal Loans and Lines of Credit




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personal loan

Apply for a loan by:
Best use:
Fixed interest rate loan.  Loan amount based on credit approval.
Term:
Up to 3 or 4 years, based on amount borrowed.
Collateral:
Unsecured
Extras:
  • 0.50% discount off above rates with auto pay from an Umpqua Bank deposit account.
Minimum monthly payment:
Principal and interest amortized for term of loan with $50 minimum amount due
Closing costs:
N/A
One-time origination fee:
$100
Fixed interest rate:
N/A
Optional Lock in Feature
N/A
Lock in fee:
N/A
Early closure penalty:
N/A
Lock in term:
N/A
Late payment fee:
CA: $10 on any minimum payment not paid within 10 days after due date.
NV, OR & WA: Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
Annual fee:
N/A
Lock in fixed rate:
N/A
Amount you may lock in:
N/A
Advance options:
N/A
Other possible fees:
n/a
The fine print:
All loans subject to credit approval.
1 Click "Rate details" for rate information.  Rates shown are effective as of 06/03/2013 and are subject to change without notice. The loan interest rate is based on the approved loan amount and Bank evaluation of the borrower's credit score and credit history.  The disclosed range of Annual Percentage Rates (APRs) take into account the $100.00 loan origination fee and $50.00 minimum payment requirement.  A $1,000.00 loan with a 24 month term, 9.75% interest rate and 19.46% APR would be repayable in 24 monthly payments with an approximate payment of $50.63 each. A $5,000.00 loan with a 48 month term, 8.75% interest rate and 9.79% APR would be repayable in 48 monthly payments with an approximate payment of $126.31 each. 
Rate details:
details
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