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Lending

Personal Loans

Chances are, there’s ‘something’ you’ve had your eye on for some time now. It might be a new car, a new boat or maybe even an airplane, but year after year, you’ve delayed your dreams wondering if you qualify for smart lending options.

At CBC National Bank®, we want to make your ‘something’ a reality by customizing a credit package that’s just right for you. All consumer loans with CBC National Bank are underwritten by real bankers - not automated computers – to ensure you have a trusted advocate ready to help. CBC will also prequalify you for your next purchase – no cost, no obligation. You know you want it, and at CBC National Bank, we want to help you get it. All you have to do is apply…

With CBC National Bank’s Consumer Lending* You Will Enjoy:

  • Competitive rates and terms
  • Fast, easy and quick application process
  • Underwriting by real bankers, not computers
  • Availability of fixed-rates 
  • No prepayment penalties
  • Loan and rate approvals good for 30 days
  • Online banking and auto debit available
  • Personal service and attention

*Personal Loan are subject to credit approval.

Home Equity Lines of Credit

HELOC may sound like a superhero’s name and truth be told, it can often be used to save the day. Home Equity Lines of Credit (HELOC) can help you finance home repairs, invest in education, or finance other necessary expenses and only advance what you need when you need it, which saves interest costs. Your HELOC will be determined based on your home’s current market value, less any first mortgage balance owed, up to a maximum of 80% on most homes. What’s more, at CBC our HELOC rates are variable* with great closing cost incentives and monthly interest-only payments are based on the amount borrowed. We encourage you to speak with your personal banker about specific terms and qualifications today.


* Rates based on the Wall Street Journal's published prime rate. 

First or Second Mortgage Equity Term Loans

Simply put, first or second mortgage equity term loans allow you to take advantage of what you have earned. The interest paid on the equity that has accumulated in your personal residence may be tax deductible*, and this equity could be used to help pay for a dream vacation, college tuition, debt consolidation, home improvements and so much more. Equity term loans at CBC National Bank are kept in our bank’s loan portfolio and not sold into the secondary market, leaving them free from the standards of stringent secondary market underwriting. Advances of up to 89% on most homes, as determined by a current market appraisal, are possible with various terms available, depending on the amount borrowed. We encourage you to speak with your personal banker about specific terms and qualifications today.

*Please consult your tax advisor regarding interest deductibility.

Automobile Financing

It may be new, or just new to you, but when it comes to new and used automobile financing, you can trust the competitive interest rates and terms of CBC National Bank. New car financing terms are offered in various terms and often only require 10% cash down. Terms for pre-owned vehicles depend on model year and mileage but normally do not exceed 100% of NADA Clean Loan Value.

Boat and Personal Watercraft Financing 

From a sunny day of sand and surf to a moonlit cruise, owning a boat is the best way to enjoy living on the coast. Whether you have your heart set on something large or small, new or used, CBC National Bank offers flexible terms and great rates. Boat and watercraft financing requires 20% cash down depending on the type of vessel you purchase.

RVs, Motorhomes and Camper Financing

Are the great outdoors calling your name? Then answer the call and commune with nature in your own RV, motorhome or camper. CBC’s long-term fixed rates will give you buying confidence along with 80% financing of the purchase price or 90% of the NADA used trade-in value.

Motorcycle Financing

Two wheels or four, sidecar or lone rider, your adventurous side is ready to grab the handlebars and hit the open road. At CBC, we want you to get that motor running and with as little as 20% down on a fixed-rate loan, you will. Our banking professionals will work with you to finance as much as 80% of dealer invoice on new models and up to 100% of used NADA Loan Value.

Airplane Financing

If you’ve always dreamed of owning your own airplane, then we say, “prepare for takeoff.” CBC National Bank offers worry-free financing for private-use aircrafts, tailored to fit your needs. 20% cash equity is required with various terms available and our fixed-rate loans have no prepayment penalty.

Farm Equipment Financing

As a farmer, it’s not just about getting the job done; it’s about getting it done with skill and efficiency. Having the best in heavy equipment is crucial to farming success and at CBC National Bank, our heavy equipment loans offer fixed rates on new or used models with typical cash equity of 20% required.

Mobile Home Financing

When it comes to owning a mobile home, with or without land, CBC offers financing options designed to help you easily secure your purchase. 

  • New or used mobile homes with land

- fixed or adjustable-rate term loans available
- Maximum loan-to-value of 75%

  • New mobile homes without land

- fixed or adjustable-rate term loans available
- Maximum loan-to-value of 75%

  • Used mobile homes without land

- Fixed or adjustable-rate term loans available
- Maximum loan-to-value of 70%

Vacant Lot Financing

Timing is everything, particularly when it comes to real estate. While you may not be ready to build right away, you know that the best time to buy the lot is now. For developed lots, CBC offers 70% financing in various terms. If you are within one year of starting new construction, then CBC’s interest-only loan is an ideal option. Certain restrictions apply. Please ask your personal banker for full details.

Unsecured or Other Financing

CBC National Bank also offers a variety of premier customer unsecured loan products including overdraft protection line, short-term notes, single-payment notes and lines of credit. If you are interested in one of these products, please contact your personal banker for more details.