Two lawn chairs next to a lake with an RV in the background

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. 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. 

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Features Auto Loans Recreational Vehicle Loans
Personal Loan or Line of Credit
(Community Credit Line)
 HELOC with Fixed Rate Loan Option Investor HELOC with Fixed Rate Loan Option
Designed For

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

Purchase of a new or used recreational vehicle including boats and RVs 

Refinance of existing loans or leases 

 Instant borrowing power at any time, for any reason

Instant borrowing power 

For personal use

Home Improvement

Debt Consolidation

Educational expenses

Purchases


 Instant borrowing power on investment or rental properties
Loan Amount Minimum: $2,000 Minimum: $5,000 $500 to $35,000 Minimum: $10,000 Minimum: $10,000
Terms

Varies with program.  Ask a representative for details 

Maximum of 6 years old

Varies with program.  Ask a representative for details 

Maximum of 15 years old

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

Annual fee applies (m ay be waived with autopay)

Varies with program. Ask a representative for details
Interest


Options/Benefits		 Fixed Rates


Pre-approvals

Flexible Terms

Free eStatements

Discounts available and apply for specific account relationships and with automatic payments

 Fixed Rates


Pre-approvals

Extended Terms

Free eStatements

Discounts available and apply for specific account relationships and with automatic payments

 Fixed Rates


Automatic loan payments

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

 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

Automatic loan payment from your CVCB checking account

Free eStatements

By phone, check or in person

View, transfer funds and make payments through Personal Online Banking

 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

Automatic loan payment from your CVCB checking account

Free eStatements

By phone, check or in person

View, transfer funds and make payments through Personal Online Banking
Please note: This information is accurate as of December 20, 2018. 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.