Personal Lending Services

Personal Lending Resources

Community Visa

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Rates

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Frequently Asked Questions

All residents and employees of Santa Cruz and north Monterey Counties may apply.

If you are thinking about a loan, talk to us first.

If you're thinking about a loan, visit our loan department. Our loan officers are here to talk to you to give you all the information about our various loan products that you need to know to make an informed decision.

At the heart of our mission is making loans that serve all people in our local community while especially making sure that we do all that we can to guarantee that low-income people have access to financial resources.

Listed below are some of the kinds of personal loans that we make. You will find our loan officers to be friendly, well-informed people who are easy to talk with and eager to help you with these and other loans. We are happy to have you contact us even if you are just exploring loan options. You don't need to make a loan commitment.

We offer a wide range of personal or consumer loans including new and used cars, boat, debt consolidation and much more.

• Low fixed rates
• No prepayment penalties
• Payroll deduction of automatic transfer payments
• Mechanical Breakdown Insurance
• Credit Life and Disability Insurance

Personal Loan Descriptions

Personal Loans

We offer competitive rates up to $25,000 unsecured and up to $60,000 for secured loans. Savings Secured loans are available too.

Car Loans

We have competitive rates for all car loans, with 100% financing. We offer loans for Hybrid Electric Vehicles, boats, and motorcycles too.

Community Visa

• Our fees are among the lowest anywhere
• And, we contribute five cents, at no cost to you, to the Community Visa Donation Fund, which has given thousands of dollars to local nonprofits that Community Visa cardholders select.