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Personal Loans & Credit Cards

VISA® Platinum Credit Card

Accepted worldwide, your On The Grid Financial VISA® Platinum Credit Card gives you instant purchasing power.

Check out some of the great features of a On The Grid Financial VISA® Platinum Credit Card:

  • A Variable Rate as low as 9.00% APR*
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Online Account Access and Payment Information
  • 24 hour cardholder assistance by phone
  • Auto Rental Collision Damage Waiver
  • Emergency Card Replacement & Emergency Cash Disbursement
  • Zero Liability

Put the On The Grid Financial VISA® Platinum Credit Card FIRST in your wallet.

APR=Annual Percentage Rate. VISA® Platinum Credit Card rates are variable based on the Prime Rate as published by The Wall Street Journal and are currently 9.00% APR, 12.00% APR or 17.00% APR based on your credit history and creditworthiness. Rates are current as of January 4, 2016. Rates are subject to change without notice. See VISA® Platinum Disclosure for complete details. Membership eligibility required. A $10 Membership Account is required.


See terms and conditions below. Then give us a call 1-800-360-6362 to apply.

Personal Loans

A personal loan from On The Grid Financial can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events. Personal loans from On The Grid Financial come with low interest rates, fast processing and convenient repayment terms, as well as efficient, personalized service.

Credit Builder Loans

When trying to establish credit, build your credit score, or re-build damaged credit, our Credit Builder Loan is the perfect product to move you along. By establishing a loan up to $5,000 with terms up to 72 months, and making timely payments on that loan, your credit rating will improve over time. Talk with us and let us know what you are trying to accomplish so we can structure the loan to best suit your objectives.

Deposit Secured Loans

Another kind of Personal Loan we offer is a Deposit Secured Loan. This allows you to borrow against your On The Grid Financial Savings Account or Certificate of Deposit balances without having to withdraw funds from those accounts. With competitive rates and terms up to 36 months, you can continue to earn interest on your Savings or Certificate accounts and still get the money you want for whatever you need.