family hiking in the woods

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. (Restriction does not apply to Credit Card Applications).


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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
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 

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 and registered in the state of CA

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 January 1, 2023. 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.