When you need money now for any good purpose, from paying for medical expenses to taking that dream vacation, Pacific Trust Bank's Overdraft Line of Credit gives you immediate access to funds, up to your credit limit. Simply write a check* or use your Pacific Trust Bank MasterMoney Debit Card.

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

* A Pacific Trust Bank checking account is required to obtain an Overdraft Line of Credit.

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, 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.