Palos Bank and Trust: Loans

Loans

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LOAN OPTIONS

Sometimes you can't afford to wait until tomorrow for the things you need or want today. Contact us for an affordable consumer loan.

HOME EQUITY LOANS
A Palos Bank and Trust home equity loan can be used for home improvements, automobiles, vacations, major purchases, educational expenses, or consolidating your debt. At Palos Bank and Trust we offer two loan options designed to use the equity in your home to meet your financing needs; either our Home Equity Line of Credit or our Fixed Rate/Fixed Payment Home Equity Loan:

• Our Home Equity Line of Credit is a line of credit that allows you to borrow funds up to your approved limit as needed. You pay interest monthly on the principal balance you use. Principal can be repaid and reused any time during the term of the loan.

           Home Equity Line of Credit Highlights
           • Low, interest-only monthly payments
           • $50.00 annual fee waived the first year
           • Access your line by check, phone, in-branch or Palos Online Banking

• Our Home Equity Loan allows you to receive the entire amount you are borrowing in a single disbursement. The interest rate and monthly payment is fixed throughout the term of the loan.

          Home Equity Loan Highlights
          • Fixed rate, fixed monthly payment
          • Flexible repayment terms
          • No prepayment penalty

PERSONAL LOANS
• Auto and Truck Loans
We finance both new and used autos and trucks.


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• Certificate of Deposit or Savings Secured Loans
• Unsecured Loans

OVERDRAFT PROTECTION
An overdraft protection line of credit automatically transfers funds to your checking account as needed to protect you against overdraft charges and the embarrassment of returned checks. This line of credit can also be used for household emergencies and extraordinary expenses.

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