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Personal Loans

Make your money work smarter for you

Whether planning a big event, a vacation adventure, large project, or a financial need arises, Point West has a personal loan to help fit your needs. Speak with our Lending Team today to get started!

Personal Loan

APR (Variable)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

8.99% - 24.24%

Our personal loans provide a lump sum of money at a lower interest rate and better payment terms than most credit cards. They can be secured by collateral, like a car or boat, or unsecured. They help in the credit rebuilding process for members. Contact the Lending Team today for more information or apply online now!


Personal Line of Credit

APR (Variable)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

9.74% - 24.74%

Lines of Credit are some of the most flexible loans available. Open a line and only pay interest on the portion of the line you are using. You can make cash advances online or over the phone into your checking account. Automatic payments are available with Point West Lines of Credit as well.

Business Lines of Credit and Home Equity Line of Credit are also available to Point West Credit Union members. Both products are designed with ease of use in mind and catered to suit your needs.


Share Secured Loan

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval.  Loan not eligible for rate discounts. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms See full rates details and disclosures >>

2.24%

A share secured loan uses your savings as collateral.  Share secured loans have a lower interest rate than a personal loan and are a great way to make your deposit funds work for you.

Get Back On Your Feet, Starting Today.

Check out our Fresh Start Guide, where you can find useful resources that include financial education and coaching.

Read the Guide

Calculate & Consider.

Not sure what loan rates you’re able to afford? No worries! As a Point West Credit Union member you have access to a number of free, loan cost calculators. We have partnered with BALANCE to provide these resources at no charge to our members.

See Calculators

Declaration of Beliefs.

The world is changing, but what we stand for will not. We will continue to educate, provide access, and be a Point of Opportunity for every member of our community. We stand with our members.

Read Our Mission

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