Personal Loans

Understanding Your Loan Options

Whether you are purchasing a new car, looking to make some home improvements or simply reacting to the unexpected, a personal loan provides access to the money you need. No matter what’s on the horizon, we offer a number of options designed to help you take control of your finances.

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Auto and Truck Loans

Buying a new car? Take a look at our auto loan calculator before your first test drive. Knowing what your new car payment might be, and how it could affect your monthly budget can help you make smarter choices.

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Personal Loans

Personal loans are ideal for situations when you just need a little extra. You’ll have the freedom and flexibility to finance a big purchase, cover unexpected expenses or consolidate high-interest debt into one monthly payment.

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VIP – Lines of Credit

Convenient and flexible.  This line of credit is tied to a checking account to provide overdraft protection.

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Secured vs. Unsecured Personal Loan

By using personal assets like your car, CDs or savings as collateral, a secured loan may offer a lower interest rate and be easier to obtain. Ask your banker about your collateral options. If you have experienced credit challenges, a secured loan can help you reach your financial goals.

Unsecured loans are not associated with any collateral, but may feature a slightly higher interest rate and good credit requirements.

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Home Improvement Loans

Our Home Improvement Loan is a fixed rate loan that is to be used for home improvement projects. A Home Improvement Loan is designed for individuals looking to finance home repairs, remodeling projects, room additions, a pool and more.

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Home Equity Loans

Fixed rate loans with affordable terms designed to fit your needs.

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100% Lot Loan Program

This program is available to all applicants subject to credit approval and other bank guidelines.

• If a customer begins construction before maturity, we may refinance the lot loan into a construction loan.
• If construction does not begin before the maturity, the loan principal must be reduced to be considered for renewal. Renewal will be considered at the current competitive rates and terms.

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Construction Loans

Once your lot has been purchased, the next step is simple…building your home!  At Guaranty Bank, we can help.  We’ll provide financing, while you enjoy competitive rates and choosing the perfect counter tops.

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Mortgage Loans

Making dreams come true is one of the things we do best. That’s why mortgage lending at Guaranty Bank is one of the fastest growing services we offer. With competitive rates, recognized experts in the field, and a wide range of financing options, Guaranty Bank can make your dream of owning a new home a reality. We offer a wide variety of home loan products for your home purchase, refinance, construction, or home equity needs.

For more information please stop by or call one of our loan specialists.  You can also use our Financial Tools Calculators to help you determine your loan financing and payment options that are best for you.

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