Ready to Start? Call us today at 800.997.7121 Or fill out our easy to use, Secure Online Loan Application. If you prefer, you may pick up an application at any Oregon Pacific Bank branch.
Meet Your Local Lender picture_carlalowe Carla Lowe
Consumer Loan Representative
Understanding Credit
At Oregon Pacific Bank, we strive to help our clients make informed choices as consumers. Before applying for credit or submitting a loan application, it is important to understand how credit works and how it affects your financial life.
Home Loans
Looking to buy or refinance your home? You can apply online through our secure Mortgage Center. Apply now in as little as 20 minutes.
Consumer Lending
Lending for Life We're here to help you get more out of life, offering consumer loans for you and your family’s needs. Whether you have picked out the perfect new car for your family or are just starting to look at an RV for your upcoming retirement, we can help. Our Client Service Specialists take the time to get to know you, understand your goals and find the right consumer loan option for you.
Consumer Loan Options
  • New and used vehicles
  • Boats
  • Recreational vehicles
  • ATVs & Motorcycles
  • Unsecured installment loans
  • Unsecured lines of credit
  • Home equity line of credit
  • Cash secured with a CD
Checkline Account A Checkline account is linked to your checking account to provide overdraft protection. In the event your checking account should become overdrawn, your Checkline automatically transfers funds into your account to cover the overdraft amount. Instead of paying an overdraft fee per item, you only pay back the money you borrowed to cover the overdraft, plus the accrued interest charged on balance outstanding. Checklines have a maximum limit of $2,500. Larger limits are available through our Unsecured Line of Credit.
  • $25 set up fee
  • $25 annual fee
  • 10 year term
  • $500 - $2500 credit limit upon approval
* All Oregon Pacific Bank credit accounts are subject to completion of an application and the applicant meeting the minimum underwriting requirements. Please speak with a Client Service Specialist for current interest rate information.