Whether you're buying a home, financing a car, consolidating debt, or growing your business, RB-ONW offers competitive loan options with flexible terms and a simple application process.
Choose from our flexible loan options designed to help you achieve your financial goals.
Flexible financing for debt consolidation, home improvements, medical expenses, or any major purchase. Get funds quickly with fixed monthly payments.
Rates as low as 5.99% APR for qualified borrowers with excellent credit.
Get a decision in minutes and receive funds as soon as the same business day.
Choose repayment terms from 12 to 84 months to fit your budget.
Check your rate without impacting your credit score.
Apply for Personal LoanFinance your dream home with competitive rates and flexible terms. We offer conventional, FHA, VA, and jumbo loans.
Competitive fixed and adjustable rates with various down payment options.
Digital application with e-signatures and online document upload.
Average closing time of 30 days with dedicated loan officers.
Strengthen your offer with a mortgage pre-approval letter.
Start Mortgage ApplicationFinance new or used cars, trucks, SUVs, and motorcycles with competitive rates and flexible terms.
Rates as low as 3.99% APR for new cars and 4.49% for used cars.
Get pre-approved before you shop so you know exactly what you can afford.
Finance purchases from dealerships or private sellers.
Fuel your business growth with working capital, equipment financing, commercial real estate loans, and lines of credit.
Access funds for expansion, inventory, equipment, or working capital.
Streamlined application process with decisions in as little as 24 hours.
Work with experienced business lending specialists.
Get the capital you need to take your business to the next level.
Explore Business LoansExplore our specialized loan options for specific financial needs.
Combine multiple debts into one manageable payment with a potentially lower interest rate.
Tap into your home's equity for major expenses with fixed rates and predictable payments.
Lower your student loan payments with competitive refinancing rates for qualified borrowers.
Special financing for medical procedures, dental work, vision care, and veterinary expenses.
Getting a loan with RB-ONW is quick, easy, and completely digital.
Get pre-qualified in minutes without impacting your credit score.
Fill out our simple online application with basic personal and financial information.
Securely upload required documents using your phone or computer camera.
Receive approval decision and get funds deposited directly to your account.
Choose from our credit card lineup with competitive rewards, cash back, and low introductory rates.
Earn unlimited 2% cash back on all purchases with no annual fee.
Earn points for flights, hotels, and rental cars with premium travel benefits.
Build or rebuild your credit with a secured card that reports to all major bureaus.
Estimate your monthly payments and see how different terms affect your loan.
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Find answers to common questions about loans and credit with RB-ONW.
We offer loan options for a wide range of credit scores. Personal loans are available for scores as low as 580, with the best rates reserved for scores of 720+. Auto loans typically require a minimum score of 600. Mortgage loans have more stringent requirements, usually requiring a score of 620 or higher. Even if your score is below these thresholds, we encourage you to apply as we consider multiple factors beyond just your credit score. Our secured credit card is available for those building or rebuilding credit with no minimum score requirement.
Our digital application process is designed for speed: Personal and auto loans can be approved in as little as 5 minutes, with funding available the same business day if approved before 2 PM local time. Mortgage loans typically take 24-48 hours for pre-approval and 30 days on average to close. Business loans are reviewed within 24-72 hours. The exact timing depends on the completeness of your application and how quickly you provide required documentation. You can check your application status anytime in our online portal.
Requirements vary by loan type: For personal loans, you typically need government-issued ID, proof of income (recent pay stubs, tax returns, or bank statements), and proof of address. Auto loans require vehicle information (VIN, make, model, year) in addition to the above. Mortgage loans have more extensive documentation requirements including W-2s, tax returns, bank statements, and information about the property. Business loans require business financial statements, tax returns, and business formation documents. You can upload all documents securely through our online portal or mobile app.
No, RB-ONW does not charge prepayment penalties on any of our personal, auto, or business loans. You can pay off your loan early at any time without additional fees. For mortgage loans, most of our products have no prepayment penalties, though some specialized loan programs may have limited prepayment restrictions in the first few years (clearly disclosed during application). We believe in transparency and want you to pay off debt as quickly as you're able. Early payments can save you significant interest costs over the life of the loan.
Yes, we allow co-signers on most personal, auto, and student loan refinancing products. A co-signer with strong credit can help you qualify for a loan or secure a better interest rate. Both the primary borrower and co-signer must complete the application and provide required documentation. Co-signers are equally responsible for loan repayment. We offer co-signer release options after a certain number of on-time payments (typically 24-48 months) if the primary borrower meets creditworthiness criteria at that time. Co-signers are not allowed on mortgage loans due to regulatory requirements.
Join over 200,000 customers who have chosen RB-ONW for their lending needs. Get started today with our simple online application.
Fast approval • Competitive rates • No prepayment penalties • 24/7 application