Consumer Loans
Consumer Loans (or consumer credit) -- any loan or extension of credit to an individual for personal, family, or household use not involving real estate, although home equity loans, our Light Green Account and home equity lines of credit are often considered to be among this category .
What we offer:
Pacific Trust Bank has great rates on savings deposit and Certificate of Deposit secured loans, and unsecured Overdraft Lines of Credit (a Pacific Trust Bank personal checking account is required).
Loans secured by a balance maintained in either your savings account or a certificate of deposit can be useful for a variety of purposes, including intra-family loans (with the borrower one family member, and the depositor providing the collateral for the loan being a different family member).
What we don't offer:
Credit cards and store charge accounts, auto, boat and RV loans are also types of consumer credit. However, Pacific Trust Bank does not currently offer these types of loan products.
See the Interest Rates 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  .
For additional information about Pacific Trust Bank's loan programs, just call us at: (877) 441-BANK
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