Routing number: ST. THOMAS: 021606056 | st. croix 021606069

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Personal Comercial
Personal Loan
Pay your taxes on time, consolidate debts, travel, or be ready for emergencies.
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Unsecired Personal Loans 1
Financing: 12 to 84 months
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Annual percentage rate (APR):
As low as 5.99% **
APR from 12 to 36 months, 6.99% APR up to 48 months and 7.99% APR up to 60 months, subject to parameters established.
Discount on the interest rate when you choose from the following discounts:
   0.75%
Direct Payment for the life of the loan on behalf of other institution.
   0.50%
Direct Payment for the life of the loan on behalf of other institution.
Amount: From $2,500 to $50,000
Payment Examples Table 2
Payment Examples Table 2
Amount
Term
APR
Monthly Payment
2,500
36 months
5.99%**
$77.00
5,000
60 months
10.24%
$106.83
7,500
72 months
11.24%
$143.68

The monthly payment amount has been rounded up to the next dollar amount (no cents).

 

**Special Offers:

1. FICO 810+: 5.99% APR from 12 to 36 months, 6.99% up to 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 with these additional conditions: Credit History 0,0,0 within the last 7 years and subscribe to direct payment from an account at Oriental.

Secured Personal Loans 3
Financing: From 3 months up to the maturity date of the CD
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Annual percentage rate (APR)  Choose your payment option:
With Amortization
-with a Fixed Term and Rate
Without Amortization
Pay interest only until the loan matures.
Amount: From $1,000 up to 100% from the available $ on a Fixed Rate CD + 90 days of interest
Payment Examples Table 2
The monthly payment amount has been rounded up to the next dollar amount (no cents).
Payment Examples Table 2
Amount
Term
CD Rates
APR
Monthly Payment
2,500
36 months
1.50%
5.99% **
$76.04
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The monthly payment amount has been rounded up to the next dollar amount (no cents).
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La cantidad es requerida
Campo requerido

  • Selecciona

  • 1 año (12 meses)

  • 2 años (24 meses)

  • 3 años (36 meses)

  • 4 años (48 meses)

  • 5 años (60 meses)
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Get a quick estimate of your payment with this calculator:
Based on the information provided, the estimated principal and interest monthly payment is:
$0.00
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The monthly payment amount has been rounded up to the next dollar amount (no cents). The information provided by this calculator is for illustrative purposes only and is not intended to be part of the application process. The figures shown are hypothetical and may not be applicable to your individual situation.
The monthly payment amount has been rounded up to the next dollar amount (no cents). The information provided by this calculator is for illustrative purposes only and is not intended to be part of the application process. The figures shown are hypothetical and may not be applicable to your individual situation.
We have the personal loan you need.
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Call us today

 

St. Croix: 340-778-5350 | St. Thomas: 340-774-0037

General requirements

To open an account, you must submit one (1) of the following primary (and current) identifications:

 

  1. Legal Age to apply for a personal loan is 18 years old.
  2. Resident of the United States Virgin Islands.
  3. Social Security number.
  4. Name, address and other personal references.
  5. Employment information and/or proof of income.

 

In case the address on the identification is different from the one provided for the account or the ID has no physical address, you should provide a utility bill.

On our service portal, we bring you the best experience so you can manage your  personal loan.
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Disclousers

 

(1) Subject to credit approval. Certain terms and conditions apply. Unsecured Personal Loan. 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. Credit products are not insured or guaranteed by the FDIC.


 

(2) APRs included in the table of payment examples include a 0.75% discount for Direct Payment of an account with Oriental.


 

(3) Subject to credit approval. Certain terms and conditions apply. For secured Personal Loans guaranteed by a Certificate of Deposit (CD) with Oriental. Annual percentage rate (APR) starting at 5.00%. Example: $5,000 at 60 months with 5.00% APR would pay $94.36 monthly. The APR will be determined by adding from 2.00% up to 4.00%, depending on the loan amount, to the interest rate of the CD used as collateral. Example: Customer with an Oriental CD at an interest rate of 1.00%, applying for a loan of $5,000, will have 4.00% added resulting in a final APR of 5.00%. Oriental Bank is a subsidiary of OFG Bancorp. Equal Credit Lender. Credit products are not insured or guaranteed by the FDIC.