A personal loan is an unsecured loan that's an alternative to loans that require collateral, allowing you to borrow what you need at a fixed rate with fixed monthly payments. Funds are provided as a single lump sum and repaid over time. If you know how much you need, a personal loan can be a great option to help you cover the expense. 

As an open-ended loan, your Personal Line-of-Credit is available whenever you need it. You don’t have to put up any collateral, and payments adjust depending on how much you borrow. As you repay the balance, you can use it again and again. 

You can make payments or pay off your Personal Line-of-Credit via digital banking, visiting a branch or mailing your payment to Vantage. You can choose to make a minimum payment, pay a set dollar amount or pay the balance in full automatically. Automatic payments are recommended but not required. The due date is on the 26th of each month.  

It’s important to note that when you make a deposit to your Vantage checking account, we can’t automatically pay off your Personal Line-of-Credit balance unless you tell us to do so. You can always make additional payments via digital banking transfer or at any of our branch locations. 

Yes. You'll need to provide the account and routing numbers for the external account you'd like to use.