PERSONAL FLEX LINE

Borrow with a line of credit as flexible as you

DETAILS
FEATURES & PERKS
RATES
FAQ
APPLY

Time to get your flex on

The name kinda says it all. Our Advantis Personal Flex Line is a personal line of credit (think of it as an anytime loan) that gives you the flexibility to choose how and when you want to use it.

Draw on your Personal Flex Line for surprise expenses or unexpected emergencies. Reduce your debt by paying off higher-interest loans or credit cards. Rely on it for overdraft protection, or simply use it to beef up your credit score.

You’ll get a ready line of credit without tapping into your home’s equity. Unlike our Personal Loan—where you borrow a set amount and get the money up front—the Personal Flex Line is a revolving line of credit that allows you to take out money as you need it.

A smart, personal, and flexible solution

Our Personal Flex Line is there when you need it, ready and waiting to be used exactly the way you choose. Because we think flexibility looks good on you.

Personal Flex Lines available from $250 - $30,000
Ideal for members who want a revolving line of credit without the credit card
Access funds whenever you need them; leave them alone when you don’t
Easily withdraw funds anytime with Advantis Online & Mobile Banking
Transfer funds directly into your checking or savings account
Relax with overdraft protection, and avoid penalties for insufficient funds

Stay flexible with rates starting at 14.74% APR¹ on the Personal Flex Line.

Life comes at us fast, and we all have different needs and timing. So isn’t it nice to have some flexibility? See if a Personal Flex Line might be right for you.

Loan Type	Terms	Annual Percentage Rate	Rate Type
Personal Flex Line	N/A	14.74% - 23.74%	Variable
Personal Loan	Up to 5 years	11.99% - 19.99%²	Fixed

¹The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. APR effective as of 07/19/2023. Current rates are between 14.74% APR and 23.74% APR. Loan limits are between $250.00 and $30,000. Subject to underwriting approval.

²APR = Annual Percentage Rate. APR effective as of 07/19/2023. APRs range from 11.99% APR to 19.99% APR and will be based on your credit qualifications. All loans subject to underwriting and credit approval. Payment example on a fixed-rate 5-year personal loan at 11.99% would be $21.99 per $1000 borrowed.

Frequently Asked Questions

What is the difference between a variable and a fixed rate?
If the rate is fixed, it stays the same for the entire length of the loan. A variable rate is subject to change based on the prime rate.

What is a prime rate?
The prime rate is the interest rate banks and credit unions offer their most creditworthy customers, and is largely determined by the federal funds rate. The most used prime rate is the one published daily in the Wall Street Journal.

Will my interest rate remain the same until the balance is paid off?
The Personal Flex Line has variable rates, so the rate may vary monthly based on the prime rate.

How can I access my line of credit?
You can access your Personal Flex Line yourself by making a transfer to your Advantis checking account using Online or Mobile Banking. You can also call us or visit a branch.

How do I request a credit limit increase?
To request a credit limit increase, visit a branch or call us at 503-785-2528 (Mon-Fri, 8am-6pm).