Flexible Financing for Life’s Important Moments
At State Bank of Davis, we provide personal loan options that match your goals—whether you’re making a major purchase, completing a home project, planning travel, or managing an unexpected expense.
We’ll walk you through your options, answer your questions, and help you choose the personal loan that’s the right fit for your life and budget.
Use a personal loan for things like:
Buying a car or truck
Home Improvements
Taking a well-deserved vacation
Covering unexpected medical bills
Consolidating high-interest debt
With friendly service, competitive rates, and local decision-making, we make borrowing simple—so you can focus on what’s next.
Our lenders will work with you to make sure you have a loan with the right terms and rates to meet your ability to pay. If you have any questions about our consumer loans, contact our office to speak with a banker.
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Our Personal Loan Options
Loan Type | Designed For |
|---|---|
Vehicle Loans | Finance a new or used car, truck, or motorcycle with competitive rates and flexible terms. Loan terms range from 48 to 96 months. |
HELOC (Home Equity Line of Credit) | A revolving credit line based on your home’s equity. Great for ongoing expenses like renovations or education. Borrow, repay, and reuse as needed. |
Home Equity Term Loan | A fixed-rate loan that provides a lump sum using your home’s equity. Ideal for major expenses like home improvements or debt consolidation. |
Personal Loans | Unsecured loan with no collateral required. Use for medical bills, vacations, or debt consolidation. Approval is based on your credit, income, and financial history. |
CD Secured Loans | Borrow against your Certificate of Deposit without withdrawing it. A smart way to build or rebuild credit while securing a lower interest rate. |
Unsecured Line of Credit | Flexible access to funds without using collateral. Draw as needed—ideal as a financial safety net for unexpected expenses. |
Term Loans | Receive a set amount with fixed payments over time. Great for one-time purchases like appliances, weddings, or planned expenses. |
Solar Loans | Specifically designed to finance solar energy systems. These loans may offer favorable terms and may qualify for federal or state energy incentives, helping reduce long-term energy costs. |
Lot Loans | Finance the purchase of vacant land for future use. Requires a larger down payment and additional documentation, especially for undeveloped land. |
Bridge Loans | Short-term loans that help you "bridge" the gap between buying a new home and selling your current one. They provide quick access to funds but usually come with higher interest rates and shorter repayment periods. |