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 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. When viewing your
account through NetTeller, your available balance includes any funds
you may have available on your overdraft protection line of credit.
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 80% 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
located primarily in the Denver Metro and surrounding Adams, Arapahoe, Denver, Douglas,
Jefferson, Weld, Boulder & Broomfield counties in Colorado.
Secure & Fair Enforcement for
Mortgage Licensing Act
(S.A.F.E. Act) Disclosure
The S.A.F.E. Act requires individuals, who act as a residential
mortgage loan originator (MLO) to register with the Nationwide
Mortgage Licensing System and Registry, obtain a unique identifier,
maintain this registration and provide this information to consumers
before acting as an MLO. The following employees at North Valley
Bank are registered MLO's:
- Ruth Nedved - MLO #767367
- Jeffrey Dohm - MLO #718146
- Ruben RiosBlanco - MLO #767365
- Anna Thornton - MLO #716491
- Karen Meade - MLO #716622
NMLS Consumer AccessSM is
a free service for consumers to confirm that the mortgage company or
mortgage professional with whom they wish to conduct
business is authorized to conduct mortgage business in
their state. Visit http://www.nmlsconsumeraccess.org if you
wish to verify registration.
Member FDIC |
