personal loans
Independent Bank offers auto loans, personal loans and loans to finance recreational vehicles, home improvements, college expenses and other personal needs. Our interest rates are competitive, and repayment terms are available to fit almost any budget.
Whatever... spring loan special
For whatever you want!
1.99% 4.21% APR+
- Reduce rates by refinancing your car loan from another bank to us*
- Buy a new car, boat, RV or motorcycle
- Make home improvements
- With our SwiftLoan** same-day closing, you can get a head start!
- To learn more, call us at 800.285.3111.
+4.21% APR based on $10,000 loan. The promotional rate is for 18 months, however, other special rates may apply. We also offer 2.49% 3.866% APR for 48 months based on $10,000 loan and 3.99% 4.067% APR for 120 months based on $50,000 loan. For additional information about rates, contact your local office. Eligibility for promotional rate requires auto pay from an Independent Bank account and is limited to collateralized loans that are fully amortized. Borrowers must meet standard qualification criteria, including a minimum credit score of 700. Loans greater than $50,000 will be .25% higher in rate. Promotion begins April 1 and ends May 31, 2013. *Only new Independent Bank loans are eligible for promotional rate. * * Same-day closing does not apply to loans secured by real estate. Application must be submitted by 2:00 pm EST.
Personal line of credit
A personal line of credit is a pre-approved, unsecured line of credit. When you need money, take one of the special checks we’ll provide you, fill it out with the exact amount you need and sign it. You can use this check to deposit money in an account or to pay a third party for a purchase. Applications and complete terms and conditions are available at any Independent Bank office.
Home Equity Line of Credit (HELOC)
A home equity loan or line of credit will allow you to borrow money, secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation and more. Interest may even be tax deductible!
Use the Visa® ATM card to withdraw money from your home equity line of credit. It’s the card that works just like a regular Visa card for purchases and ATM withdrawals. It’s a convenient and hassle-free.
Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.
SwiftLoan same-day closing*
- Reduce rates by refinancing your car loan from another bank to us**
- Buy a new car, boat, RV or motorcycle
- Make home improvements
- Contact your local office for details
*Same-day closing does not apply to loans secured by real estate. Application must be submitted by 2:00 pm EST.
