We can help make your dreams come true.

Our personal loans and lines of credit can put you within reach of your goals. Whether you need money to buy a car, make home improvements, finance an education, take a vacation, or most anything else, we can help make your dreams a reality. We make borrowing money easier, with:

Quick decisions.   Once you apply, you won’t have to wait long for an answer.

Easy application process.   You can apply in person.

Competitive rates.   We set our rates based on local market conditions.

Customer discounts.  We’ll reduce your interest rate on a new installment loan by ¼% if you choose to have the monthly payments deducted from your North Valley Bank checking or savings account.

Flexibility. We’ll work with you to find the loan payment and terms to fit your budget.

Installment Loans

With a fixed interest rate and term, an installment loan provides the security of knowing what your payment will be each month.  Pending credit approval, we will finance up to 90% of the purchase price for new cars up to 72 months and used cars up to 60 months.   We also make secured and unsecured personal loans for just about any purpose, including education, vacation, recreational vehicles, debt consolidation and more.  For more information, give us a call or send us an e-mail and tell us how we can help you.

Overdraft Protection 

Help protect yourself from overdrawing your account and enjoy convenient access to extra funds with a line of credit attached to your checking account.  Funds are automatically advanced to your North Valley Bank checking account in $100 increments when needed, up to your credit limit.  Then, as you repay any advances made, your available credit is automatically replenished.  It’s easy to use and easy to apply.

Home Equity Loans and Lines of Credit

Borrow money at a lower cost by using the equity in your home to secure a loan or line of credit.  What’s more, the interest is usually tax-deductible (consult your tax advisor for more information).  Borrow up to 90% of your home’s equity, based on the current market value and loans already secured by your home.  Home equity loans are available for up to 10 years.   Borrow the money all at once and repay it in equal monthly installments.  A home equity line of credit provides the flexibility and convenience of borrowing only as much as you need, when you need it, up to your credit line.  As you pay down the balance on your line each month, you replenish your available credit to use again as needed.

Loans  are subject to credit approval, and available to residents of Colorado area only.

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