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Applications: Personal Consumer Loan

Apply Online For An Instant Loan

[Get A Loan Day or Night - Click Here or Call 1-800-803-0445 To Apply Now]


For immediate financing, click here or call 1-800-803-0445. You will receive an immediate response about your loan application.


Apply Online Using Our Standard Application

Our standard personal application is available online to allow you to submit secure loan applications 24 hours a day. Simply click on the application link below, fill in the form and submit it to us for processing. We realize that our application requires a lot of information but in order to ensure the success of your business and to make responsible loan decisions, we must ask for comprehensive information.

If you use our online application, we will contact you to come into one of our branches to complete the application. Please make sure to read the information below before continuing to the online application.

You may also download a PDF version of the application if you wish to print it and fill it out before coming into a branch office to complete. Click here for a PDF of the Personal Consumer Loan Application.


Tips for a speedy reply on your Consumer Loan request

How to expedite your loan request

  • Please fill in every blank of the application. If it isn't applicable, just write "N/A."
  • We need to verify all sources of income to be considered for your loan request:
    • If you are salaried, submit current pay stubs (for the last 30 days).
    • If you are self-employed, submit copies of last two years' Federal Tax Returns, signed, and a year-to-date profit/loss statement.

Credit Life & Disability Insurance

  • This credit protection is available at a low monthly cost, added to your regular loan payment, to provide peace of mind and to protect you and your family. Please ask for details.

Other important details

  • Please indicate the maximum loan amount you are considering.
  • It's not a problem if you don't have a specific car in mind; rates are good for 30 days.
  • If you have signed a purchase order with a dealer, please provide a copy.
  • Please provide a copy of the current registration prior to loan closing.
  • For pre-approved loans - once you find your car, we would appreciate 24 hours notice to prepare the loan documents.
  • DMV fees and any required DMV documents (i.e., smog certificate, bill of sale, etc.) must be collected at loan closing for private party purchases, lease buyouts, and refinances. Ask your loan officer for details.

Santa Cruz: 324 Front Street    (831) 425-7708    Watsonville: 1428 Freedom Blvd
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