family hiking in the woods

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. Enjoy affordable borrowing power for any personal financing need 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.

Please scroll left to view the rest of the table.

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
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 $500 to $35,000 Minimum: $2,000 Minimum: $10,000 Minimum: $10,000
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


Options/Benefits
Fixed Rates


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)

Fixed Rates


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)

Variable Rates


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)

Variable Rates 


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)

Please note: This information is accurate as of November 1, 2019. 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.