Personal Loans

We offer:

• Home Improvement Loans
• Automobiles/Truck Loans
• RV/Pop Up Camper Loans
• Lines of Credit
• Consolidation Loans
• CD Secured Loans
• Unsecured Loans
• Motorcycle/ATV Loans
• Watercraft Loans
• and more

Our loan decisions are locally made with quick turnaround time.

Download our Consumer Loan Application.

Unsecured Loans

• 3 year maximum term
• Debt-to-Income not to exceed 41%
• Up to 36 months straight payout OR at minimum payments of $100/month with balloon payment at maturity
• Maximum commitment: larger of 5% of adjusted net worth / 12% of stable income
• Obtain Personal Financial Statement on $10K or more (vs. installment application if less)

Line of Credit - Unsecured

• 5 year term
• $10,000 minimum line
• Debt-to-Income not to exceed 41%
• No annual fee
• Line advances with a checkbook (like HELOC)
• Floor rate of 7.09%

CD Secured Loans

• 100% max principal advance on Premier Bank CD, including closing cost (net fund)
• Interest only; loan maturity must match CD maturity
• Premier Bank CD's ONLY
• IRA accounts cannot be used as collateral

Auto / Truck

• New: 100% of sales price (plus tax, tag, and title)
• Used: 100% of trade in value per NADA (plus tax, tag, and title)
• RV and Pop-Up Campers
• Rate is based on prime at the time of application and fixed for the term. Auto rates are prime plus margin-fixed*

Water Craft

• Must be titled
• UCC filing on outboard motors
• 10% Down
• Used Value based on NADA Loan Value
• New Value based on buyer's order

Motorcycles and ATVs

• 10% down on ATVs (plus tax, tag, and title)

RV and Pop-Up campers

• Auto rate plus 1%

*Prime rate as listed in the Wall Street Journal