Apply

Start your application.

Fill out the short pre-qualification form below and a local loan officer will reach out to you within one business day. There is no obligation and no hard credit pull until you accept an offer.

Same-day reviewReviewed the same business day
Local underwritingReal person, not a bot
Secure & privateYour data stays with us
Soft pre-qualNo hard pull without your OK

How it works

Three steps from form to funded.

  1. 01

    Submit this form

    Tell us who you are, how much you’d like to borrow, and what it’s for. Takes about five minutes.

  2. 02

    A loan officer reviews it

    A local member of our team reviews your application the same business day and reaches out with next steps.

  3. 03

    Sign and get funded

    Approved loans are typically funded to your Pacific Spruce account within one business day.

Pre-qualification form

Tell us about yourself and your loan.

All fields marked with * are required. This form is a pre-qualification inquiry — it is not a final loan offer and does not guarantee approval.

Your contact information
Loan details
Consent

Final terms are set by the lender and vary by state. Submitting this form does not guarantee approval.

Prefer in person?

Apply at the branch on A Street.

Stop by 727 NW A Street, Toledo, Oregon 97391 during business hours (Mon–Thu 10–5, Fri 9–5) and one of our loan officers will walk you through the application in person. Prefer to talk it through first? Call us at (541) 336-2321.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Not a member yet?

You can join and apply at the same time.

Open a membership share account with a $5 deposit and submit your loan application in the same visit. Eligibility details are on our membership page.

Become a Member Back to loan options