Personal loan

Lock in your rate and we'll take 0.50% off your rate with autopay from an Umpqua deposit account. Loan amount based on credit approval.

account details

  • Loan amount based on credit approval
  • Fixed interest rate
  • Term of up to 3 or 4 years, based on amount borrowed
  • $100 origination fee
  • Payments fully amortized over term
  • Unsecured collateral
  • 0.50% rate discount with autopay from an Umpqua deposit account

rate details

for zip code
Amount you can borrow Interest Rate (fixed) Corresponding APR Term
$1,000 - $5,000 7.75% - 9.75% 9.10%-19.45% Up to 36 months
$5,001 and up 6.75% - 8.75% 6.77% - 9.79% Up to 48 months
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Questions? Call us at 1-866-790-2121.

Interest Rate

Rates shown are effective as of 4/1/2014 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.

Credit approval

All accounts subject to credit approval.

Minimum monthly payments

Minimum monthly payment of principal and interest amortized for term of loan with $50 minimum amount due

Late payment fee

CA: Greater of $5 or 5% of any minimum payment not paid within 10 days after due date.  NV, OR & WA: 5% of any minimum payment not paid within 15 days after due date.

Other possible fees for zip code 97205

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Call us at 1-866-790-2121

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