Personal Loans

Personal Loans

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Personal Loans

Let’s get whatever you need to do, done. Click below to get started.

Questions?

Our local Member Advocates are here to help.

Call or text us: 503-656-0671


Our call center is ready to help you out during our business hours:
Mon - Fri: 9:00AM-5:30PM
Sat: 9AM-1PM

Take a trip. Build your credit. Fix your ride. Start a side hustle. Whatever you need to do, an Embold Personal Loan can help make it happen.

Options to fit your needs

Personal Loan

With a virtually endless list of ways you can use the funds, an Embold personal loan¹ offers you financing for making life happen. With flexible term options and no collateral required, this might just be the tool you’ve been waiting for.

Share Secured Loan

Could your credit use a little refresh? An Embold share secured loan4 can help you rebuild your credit and get you ready for your next line of credit.

Current rates

Personal Loans and Lines

Product

APR2 as low as

Member Perks APR2,3

Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!

Rates effective as of July 31, 2023.

Product

Share Secured Loan4

APR2 as low as

3.05%

Member Perks APR2,3

N/A

Product

Personal Loan

APR2 as low as

13.00%

Member Perks APR2,3

12.75%

Product

Personal Line of Credit

APR2 as low as

10.50%

Member Perks APR2,3

N/A

Product

Payday Alternative Loan

APR2 as low as

15.00%

Member Perks APR2,3

N/A

Product

Rental Entry Assistance Loan (REAL)

APR2 as low as

6.00%

Member Perks APR2,3

5.75%

We're here to help

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Skip a Payment

Life happens. Most Embold loans allow you to request a skip payment for a low fee. Skip this month’s payment with no impact on your credit score, and use the money you save to get back on track.

Skip a payment
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Change Your Due Date

Sometimes arranging your month differently can help you maximize your paycheck-to-payment ratio. If you want to move the due date for your loan, use our handy form and email us, drop it off at any branch, or send it snail mail.

Change my due date
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Payment Protection

When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment by a little to increase your peace of mind by a lot.

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Disclosures

1) For details, see our Truth in Lending document.

2) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria

3) Member Perks: On your fourth product, take advantage of a 0.25% rate increase on share certificates or 0.25% decrease on fixed rate and term loans. Required products include: a savings account, a checking account, and one additional deposit or loan product.

4) Share Secured Loan: A loan secured by specific funds in a savings account. This Annual Percentage Rate (APR) is determined by the current dividend rate being paid on the share accounts offered as security, plus 3.00%.