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Personal Loans and Lines of Credit




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Apply for a loan by:
Best use:
Fixed-interest rate loan.  Loan amount is based on Cash Sales Price or Trade-In Value.
New:  Up to 90% of Cash Sales Price (CSP)
Used:  Lesser of 80% of CSP or 100% of trade-in value. 
Term:
Up to 6 years
Collateral:
Vehicle must be 10 years or newer
Extras:
  • 0.50% rate discount with auto pay from an Umpqua Bank deposit account
Minimum monthly payment:
Principal and interest amortized for term of loan with minimum amount due $100
Closing costs:
N/A
One-time origination fee:
$100
Fixed interest rate:
N/A
Optional Lock in Feature
N/A
Lock in fee:
N/A
Early closure penalty:
N/A
Lock in term:
N/A
Late payment fee:
CA: $10 on any minimum payment not paid within 10 days after due date.
NV, OR & WA: Greater of $10 or 5% of any minimum payment not paid within 10 days after due date.
Annual fee:
N/A
Lock in fixed rate:
N/A
Amount you may lock in:
N/A
Advance options:
N/A
Other possible fees:
N/A
The fine print:
All loans subject to credit approval.
Borrower must pay Tax & License Fees (CA applicants only). 
1 Click "Rate details" for rate information.  Rates shown are effective as of 05/20/2013 and are subject to change without notice.  The loan interest rate is based on the approved loan amount and Bank evaluation of the the borrower's credit score and credit history.   The disclosed range of Annual Percentage Rates (APRs) take into account the $100 loan origination fee and $100 minimum payment requirement.  A $10,000.00 loan, at a 5-year term, 5.20% interest rate and 5.61% APR would be repayable in 60 monthly payments of  $191.53 each. 
Rate details:
details
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