Flexible loans to fit your life
Whether you're consolidating debt, buying a car, or refinancing, we have the right loan for you.
Personal
Auto
Non-Recourse IRA
Personal Loans
Have money on hand when life happens
We offer competitive interest rates that will give you the financial ease you need to take care of
any unexpected situation in life.
Options
Personal unsecured loans
Personal secured loans
Saving & Deposit secured loans
Personal lines of credit
Benefits
Flexible use
Your loan can be used for debt consolidation, medical bills, or other expenses.
Lower interest than credit cards
Loans are often more affordable for those with good credit.
Monthly payments
Consistent monthly payments make budgeting easier.
Quick access
You get fast approval and funding, sometimes within days.
Varied terms
We have flexible repayment options so we can find the right terms to fit your budget.
Auto Loans
Have what you need to drive your dreams
If you are in the market for a new or used car, boat, motorcycle, or other recreational vehicle, we’ve got competitive interest rates and terms to help you ride off in the driver’s seat.
Features
Lease buyout loans
No down payment on most vehicles
No penalty for paying loan off early
Loans are available for up to 84 months
Benefits
Affordable ownership
A loan enables a vehicle purchase without needing full cash upfront.
Competitive interest rates
Your rate will often be lower than personal loan rates, especially through dealerships.
Monthly payments
Predictable monthly payments help
with budgeting.
Flexible terms
Our loan terms can range from a few years up to 7 years, allowing more control over monthly costs.
Ownership over leasing
Unlike leasing, an auto loan allows you to own the vehicle outright once it’s paid off, giving you long-term value and flexibility.
Ability to customize
Owning the vehicle allows you to modify or customize it, which isn’t typically allowed with leased vehicles.
Potential tax benefits for business use
If the vehicle is used for business purposes, you may be able to deduct some loan-related costs.
Non-Recourse IRA Loans
Borrow money with added protection
Unlock the power of your retirement. Invest in real estate without risking your personal assets—only the property serves as collateral. This is your chance to diversify your portfolio, grow wealth tax-deferred, and make your real estate dreams a reality—all while keeping your financial future safe and secure.
Features
Self-directed flexibility
Limited liability
Allows for asset diversification
Benefits
Tax advantages
Your investment can grow tax-deferred within the IRA, potentially increasing overall returns.
Leverage
This loan enables you to use leverage to acquire larger or multiple assets than cash alone.
Retirement growth
You have the opportunity to enhance your retirement savings through potentially higher returns from investments made with borrowed funds.
Prep to get prequalified
The process of getting a loan goes much smoother if you’re prequalified.
Here's what you’ll need to get started
A copy of your driver’s license
Copies of W-2 & 1099 forms
Two most recent pay stubs
Two months of bank statements
Tax returns for the last two years
Benefits of choosing Portage
Customization
We work with you to tailor loans to your specific needs and budget.
Ease
Our competitive rates, variety of options, and helpful approach make getting the right loan easy.
Relationships
We’re here to build a lasting partnership and find the best way to help you reach your goals.
Take Portage wherever you go
Our free mobile app gives you fast, secure, 24/7 access to your finances.
