Personal Loans

The Perfect Loan to Fit Your Lifestyle

Stop dreaming and start living – with a personal loan or line of credit from Central Valley Community Bank. Apply today for help with any personal financing needs as quickly and easily as completing our simple loan application.

PLEASE NOTE: Personal loans are only available within our defined service area, which includes California's San Joaquin Valley and Greater Sacramento regions. Applications submitted outside of this service area will not be accepted. This does not apply to Credit Card Applications.

For the best user experience with Personal Online Loan Applications, please use Chrome as your Internet Browser. Married applicants may apply for separate credit. By providing your personal information to Central Valley Community Bank and clicking the submit box, you consent to the collection and processing of your Personal Information as described in our Privacy Policy available here.

To the extent that you have provided Personal Information to Central Valley Community Bank about any other individual, you agree that you are authorized to disclose his or her Personal Information to Central Valley Community Bank as detailed in the CA Consumer Privacy Policy.

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Features	Personal Loan or Line of Credit (Community Credit Line)	Auto Loans	HELOC with Fixed Rate Loan Option	Investor HELOC with Fixed Rate Loan Option
Features	Learn More Here	Learn More Here	Learn More Here	Learn More Here
Designed For	Instant borrowing power at any time, for any reason	Purchase of a new or used car, light duty truck or sport utility vehicle Refinance of existing auto loans or leases Vehicle must be registered in state of CA	Instant borrowing power For personal use Home Improvement Debt Consolidation Educational expenses Purchases	Instant borrowing power on investment or rental properties
Loan Amount	Personal Loans: $2,500 - $35,000 Lines of Credit (Community Credit Line): $5,000 - $35,000	Minimum: $10,000	Minimum: $25,000	Minimum: $25,000
Terms	Varies with program. Ask a representative for details Annual fees apply (may be waived with four advances per calendar year)	Varies with program. Ask a representative for details Maximum of 6 years old	Varies with program. Ask a representative for details Annual fee applies (may be waived with autopay)	Varies with program. Ask a representative for details Annual fee applies (may be waived with autopay)
Interest	Fixed Rates	Fixed Rates	Variable Rates	Variable Rates
Options/Benefits	By phone, check or in person Easy application Convenient Free eStatements Another option to avoid overdraft fees View, transfer funds and make payments through Personal Online Banking You may be eligible to receive a discounted rate when your loan is set up with automatic payments (see your Account Representative for specific details and requirements)	Pre-approvals Flexible Terms Free eStatements You may be eligible to receive a discounted rate when your loan is set up with automatic payments (see your Account Representative for specific details and requirements)	Provides the security of a line of credit with the flexibility of fixing a portion of the line of credit to a fixed rate loan Free eStatements By phone, check or in person View, transfer funds and make payments through Personal Online Banking You may be eligible to receive a discounted rate when your loan is set up with automatic payments (see your Account Representative for specific details and requirements)	Provides the security of a line of credit with the flexibility of fixing a portion of the line of credit to a fixed rate loan Free eStatements By phone, check or in person View, transfer funds and make payments through Personal Online Banking You may be eligible to receive a discounted rate when your loan is set up with automatic payments (see your Account Representative for specific details and requirements) Vacation homes must be in the state of California

Please note: This information is accurate as of December 1, 2021. Central Valley Community Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.