Personal Credit
Consolidate debts1. Solve any emergency. Enjoy your dream vacation.
| Unsecured Personal Loan | Cash Collateral Personal Loan Fixed CD |
Cash Collateral Personal Loan Investors CD |
Reserve Lines | |
| Same-day disbursement |  |
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Automatic activation |
| Amount | $5,000- $25,0001 | $1,000 - 100% of the CD's available balance1 | $1,000 - 70% of the CD's available balance1 | $1,000 - $25,0001 |
| Term | 12-72 months1 | 12-60 months | 12-60 months | N/A |
| Minimum Interest Rate (APR) | 6.75%2 | 6.00%3 | 6.00%3 | 15.95% |
| Payment Protection Plan4 | |
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| Requirements | CD must be from Oriental | CD must be from Oriental | Linked to Oriental Money or Oriental Amiga |
Disclosures
1 Subject to credit approval. Certain terms, conditions, and restrictions may apply. Equal Credit Lender. Products offered by Oriental Bank and Trust, Member FDIC. OCIF B-29.
2 Annual Percentage Rate. APR will be determined according to your risk score and the length of your loan. Example: $5,000 loan at 6.75% APR for 72 months will have a monthly payment of $84.65 (not including insurance, which is optional). Certain terms, conditions, and restrictions apply. Equal Credit Lender. Products offered by Oriental Bank and Trust, Member FDIC. OCIF B-29.
3 Minimum interest rate for cash collateral personal loans will be determined by adding 4% or more of the payable interest rate on the CD, to be used as collateral, depending upon the account balance. Example: $10,000 loan at 6.00% APR for 60 months will have a monthly payment of $193.33 (not including insurance, which is optional). Certain terms, conditions, and restrictions apply. Equal Credit Lender. Products offered by Oriental Bank and Trust, Member FDIC. OCIF B-29.
4 Insurance products are not a deposit or other obligation of, or guaranteed by Oriental Bank and Trust nor its affiliates and are not insured by the FDIC or any other federal agency.
