Personal Loans - When you need money now for any good purpose, from paying for medical expenses to taking that dream vacation, Pacific Trust Bank offers single-advance Personal Loans with repayment terms from 1 to 5 years.

Personal Loans are offered by Pacific Trust Bank at competitive interest rates that are fixed for the term of the loan. The minimum monthly payment is an amount sufficient to repay the loan over its term (i.e., 12, 24, 36, 48 or 60 months).

Personal Loans are best suited to meet an immediate specific one-time financing need.

For recurring, ongoing or contingent financing requirements, a Personal Line of Credit or Home Equity Line of Credit is the better choice. These loans are also ideal as overdraft protection for your checking account.

Because these loans are unsecured, the lender is taking a greater risk. Therefore, Personal Loans have interest rates that are generally higher than loans that are secured (such as with an automobile) for similar loan terms.

First Time Borrower and Credit Re-Builder Programs - Not everyone will qualify for a Personal Loan. With a secured loan, you can use your savings or a certificate of deposit account as collateral to establish or reestablish a good credit record.

Who can get a Personal Loan?

Any one is eligible to apply for a Pacific Trust Bank loan. No deposit relationship is required, but of course we hope you will do all of your banking with us. As it says in our middle name, we're a lender you can "Trust". All loans are calculated by simple interest, with our interest rates and loan terms clearly spelled out.

See the Loan Rate Page for details on our current loan rates.

If you're ready to apply for a Pacific Trust Bank Consumer Loan or Home Equity Line of Credit, you can click here to .

To request via e-mail additional information about Pacific Trust Bank's loan programs, please Click Here, or just call us at (877) 441-BANK.

All loans are subject to credit approval, and restrictions to any offer may apply. Please contact us for additional details about loan programs that we offer.