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Personal Comercial
Better payments, better days
With our personal loans, you can consolidate your debts, travel, make home improvements, or get what you’ve been wanting.
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Unsecured Personal Loan1

Terms: 12 to 84 months

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Annual Percentage Rate (APR):
From 5.99% **
APR subject to established parameters.

Annual percentage rate discount when choosing one of these options for the life of the loan:

0.75% APR
Automatic payment from an Oriental account
0.50% APR
Automatic payment (ACH) from another financial institution
Amount: From $2,500 to $50,000

Payment example Table 2

Amount

Terms
APR

Monthly Payment*
2,500
36 monthly
5.99%**
$77.00
5,000
60 monthly
10.24%**
$106.83
7,500
72 monthly
11.24%**
$143.68

The monthly payment amount has been rounded up to the next whole dollar (No cents). the information provided by this calculator is intended for illustrative purposes only and is not part of the Application process. the figures shown are hypothetical and may not apply to your individual situation.

 

**Special offers:

1. FICO 810+: 5.99% APR from 12 to 36 months, 6.99% up to 48 months, or 7.99% up to 60 months.

2. FICO 780-809: 5.99% APR from 12 to 24 months, 6.99% up to 36 months, 7.99% up to 48 months, or 8.99% up to 60 months.

The offers apply under the following conditions: Credit history of 0,0,0 for the last 7 years and enrollment in direct payment from an Oriental account.

Secured Personal Loan3
Terms: From 3 months up to the CD maturity date
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Annual Percentage Rate (APR) Choose Your Payment 4:
With Amortization
Fixed term and fixed rate*
Without Amortization
Pay interest only until the loan maturity date.
Amount: From $1,000 up to 100% of the principal available in the CD Fixed Rate + 90 days of interest
Payment example Table
Amount
Terms
CD interest
APR
Monthly Payment*
2,500
36 months
1.50%
5.99% **
$76.04
image

The monthly payment amount has been rounded up to the next whole dollar (No cents). the information provided by this calculator is intended for illustrative purposes only and is not part of the Application process. the figures shown are hypothetical and may not apply to your individual situation.

 

**Special offers:


1. FICO 810+: 5.99% APR from 12 to 36 months, 6.99% up to 48 months, or 7.99% up to 60 months.

2. FICO 780-809: 5.99% APR from 12 to 24 months, 6.99% up to 36 months, 7.99% up to 48 months, or 8.99% up to 60 months.

The offers apply under the following conditions: Credit history of 0,0,0 for the last 7 years and enrollment in direct payment from an Oriental account.

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Campo requerido

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  • 1 year (12 months)

  • 2 years (24 months)

  • 3 years (36 months)

  • 4 years (48 months)

  • 5 years (60 months)
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Your estimated payment

Fill out the form to calculate your monthly payment

Based on the information provided, the estimated monthly payment is:

$0.00
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The information provided by these calculators is intended for illustrative purposes only and is not meant to simulate the parameters defined by real users. The figures shown are hypothetical and may not apply to your individual situation.

 

To assist the government in the fight against terrorism financing and money laundering, federal law requires all financial institutions to obtain, verify, and record information that identifies every person who opens an account. This means that when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask you to show your driver’s license or other identifying documents.

The information provided by these calculators is intended for illustrative purposes only and is not meant to simulate the parameters defined by real users. The figures shown are hypothetical and may not apply to your individual situation.

 

To assist the government in the fight against terrorism financing and money laundering, federal law requires all financial institutions to obtain, verify, and record information that identifies every person who opens an account. This means that when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask you to show your driver’s license or other identifying documents.

Ready for the next step?

There are many reasons to apply for a personal loan, whether to consolidate debt, go on vacation, or make home improvements, among others.

Apply now
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What do I need to apply?

To apply for an unsecured personal loan, you must be 18 years or older. For secured loans, if you are under 21 but over 18, you must present acceptable proof of emancipation.

 

In addition to the following requirements:

 

  • Resident of Puerto Rico
  • Social Security Number
  • Name, address, and other personal references
  • Employment and income information
  • Certificate of Deposit (CD) with Oriental Bank (Oriental) – For secured loans only
In our service portal, we bring together the best of what we offer so you can manage your personal loan.
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Frequently Asked Questions
What requirements or documents do I need to apply for my loan?
  • To request for a personal loan without guarantee, you should have 18 years old or more. For secured loans, if you are under 21 but over 18 years of age, you must present acceptable evidence of emancipation.
  • You must be a resident of Puerto Rico
  • Your Social Security number
  • Your name, address and other personal references
  • Your employment information and proof of income
  • Certificate of Deposit with Oriental Bank (Oriental)– Secured Loans only

How is my APR determined?

  • Unsecured Personal Loan - The APR (Annual Percentage Rate or annual interest rate) will be determined based on your risk score and your credit history and contemplates that you choose from the following discounts: Direct Payment for the life of the loan with an Oriental account (0.75%) or Direct Payment for the life of the loan on behalf of another institution (0.50%).

 

  • Secured Personal Loan- Guaranteed by a Certificate of Deposit (CD). Offer for secured personal loans starting at 5.00% APR. The APR will be determined by adding from 2.00% up to 4.00% APR to the CD used as collateral.

What debts can I consolidate with a personal loan?

You can consolidate most of your debts with a personal loan. This includes other personal loans, credit cards, lines of credit, including department store cards. Certain restrictions may apply.

 

What can I use as collateral for my secured personal loan?

The instrument that can be used to secure a personal loan is a Certificate of Deposit (CD).

 

How quickly will my loan application be reviewed?

Yes, you can make extra payments on your loan. You can also pay off the loan before the agreed term. The latter will incur a fee of 1% of the balance at the date of payment. This does not apply if your loan is a renewal of a personal loan with Oriental.

 

 

What payment methods are acceptable?

There are several ways to make your payment:
  1. Through the Service portal.
  2. Direct payment from a deposit account in Oriental, automatic payment from a deposit account of any banking institution.
  3. On your Online Banking through the Pay Bill option or the Account Summary section. Your loan or line of credit with Oriental is automatically added.
  4. By phone, call 787.777.7117 Monday through Friday from 7:00 am to 7:00 pm, and Saturdays from 8:00 am to 5:00 pm.

Is there any penalty if I fall behind on my payments?

Yes, for each payment that is delinquent, you will incur in a late payment charge.

 

How do I Request a Loan Certification?

Through the service portal. Within the "Services" section, under the "Obtain Documents" area, choose the "Loan Certification" option, complete the required information, and submit your request. Get started here.
Mandatory Disclosures
(1) Subject to credit approval. Certain terms and conditions apply. Unsecured Personal Loan.

(2) The annual percentage rate (APR) starts from 5.99% (considering a discount) and 6.49% (without the discount) up to 27.95%. The APR will be determined based on your risk score and credit history. You can choose from the following discounts: Direct Payment for the life of the loan from an account with Oriental (0.75%), Direct Payment for the life of the loan from an account with another institution (0.50%). The APR will not be lower than the starting APR when the discount is applied. If the direct payment is canceled at any time, the payment and APR will increase accordingly. Example: an unsecured personal loan for $2,500 for 36 months at 5.99% APR will have a monthly payment of $76.04. Financed amounts for unsecured loans range from $2,500 to $50,000 in terms of 12 to 84 months, depending on the loan amount. Same-day credit decisions and disbursements are subject to branch hours on business days, and your compliance with all approval requirements. Oriental Bank is a subsidiary of OFG Bancorp. Equal Credit Lender.

(3) Subject to credit approval. Terms and conditions apply. A secured Personal Loan requires a Certificate of Deposit (CD) with Oriental. Loans range from $1,000 up to 100% of the CD's available balance, minus the equivalent of three months of interest on the loan. Annual Percentage Rate (APR) starting at 5.00%, subject to the CD’s balance and Annual Percentage Yield (APY). The term of the loan cannot exceed the CD's maturity date. Example: A loan secured with an Oriental CD with an available balance of $5,062.50 and an APY of 1.00% would have an APR of 4.00% over the CD rate, resulting in a final APR of 5.00%. The maximum loan amount would be $5,000 ($5,062.50 CD balance minus $62.50, equivalent to three months of interest on the loan). (

(4) A $5,000 loan for 60 months at 5.00% would have monthly principal and interest payments of $94.36 or an estimated monthly interest-only payment of $20.83 with a final balloon payment of $5,000 plus any remaining interest.

To collaborate with the government in the fight against the financing of terrorism and money laundering activities, the federal law requires that every financial institution obtain, verify and record information that allows identifying any person who opens an account. For you this means that when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, Effective May 2018, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owner) and to certify that this information is true and accurate to the best of your knowledge.