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Personal Loans and Lines of Credit




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executiveline

Apply for a loan by:
Best use:
Line of credit from $15,001 to $100,000 with variable interest rate.
Term:
5 years
Collateral:
Unsecured
Extras:
  • 0.25% rate discount with auto pay from an Umpqua Bank deposit account
  • No annual fee for the first year
Minimum monthly payment:
Interest only with balloon payment at maturity
Closing costs:
N/A
One-time origination fee:
1% of credit line or $250, whichever is greater
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: Greater of $5 or 5% of any minimum payment not paid within 10 days after due date.
NV, OR & WA: 5% of any minimum payment not paid within 15 days after due date.
Annual fee:
$75 (waived first year)
Lock in fixed rate:
N/A
Amount you may lock in:
N/A
Advance options:
Check (minimum $100), in-store advance, transfer via online banking and telephone transfer.
Other possible fees:
  • Stop payment: $28 per item
  • Returned NSF check: $35 per item
  • Advance less than minimum amount: $20 per item
The fine print:
All accounts subject to credit approval.
1 Click "Rate details" for rate information.  Rates shown are effective as of 05/20/2013. The variable Interest Rate and corresponding Annual Percentage Rate (APR) are based on the Wall Street Journal Prime Rate (the "Index"), currently 3.25%, plus a margin (spread).  The margin is determined based on the amount of the approved credit line and Bank evaluation of the borrower's credit score and credit history.  Rates are subject to change monthly based upon changes in the value of the Index.  Minimum APR: 5.00%.  Maximum APR: 18%. 
Rate details:
details
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