Personal Loans

//Personal Loans
Personal Loans 2018-02-28T00:33:15+00:00

Patterson State Bank has been making dreams come true, one loan at a time, since 1925.

We offer personal loans for just about anything. Whether you are in the market for a vehicle, planning your dream vacation or just want to consolidate debt, we have your solution. Let our loan professionals design a loan that fits your needs and a payment plan that fits your budget.

Auto Loans

Cars, trucks, SUVs, ATVs…if it has wheels, we have a loan that will get you rolling in no time!

  • Competitive rates for new or used vehicles
  • Flexible finance terms to fit your budget

Payment Protection to ensure payments will continue to be made in the event of death or disability

APPLY NOW

Lagniappe

LOCAL decision making and processing
DEDICATED lender is with you every step of the way

PSB Auto Loans

Personal Loans/Lines of Credit

When life happens and it needs to be financed, we can help. Big or small, we can customize a loan that fits your specific need with affordable payments.

Competitive rates on a loan that is unique to you. These are just a few examples:

  • Debt consolidation
  • New or used vehicle
  • Medical expenses
  • Dream vacation
  • Wedding
  • Unexpected expenses

Payment Protection to ensure payments will continue to be made in the event of death or disability

APPLY NOW

Lagniappe

LOCAL decision making and processing
DEDICATED lender is with you every step of the way

Patterson State Bank has been making dreams come true, one loan at a time, since 1925.

Buying a home is an exciting and important decision. Whether you are looking for the best rate, the lowest downpayment or solutions for a less than perfect credit score, we have multiple financing options to find the right loan for you.

Home Mortgage Loans

PSB understands that buying or building a home or refinancing your existing mortgage can be one of the largest financial commitments you will ever make, and our Home Loan Specialists are committed to helping make your dream of home ownership a reality.

  • Competitive rates for home purchase, construction or refinance
  • Applies to primary residence, vacation home or investment property

Many financing options available:

  • Fixed rate mortgage
  • Adjustable rate mortgage (ARMs)
  • First-time homebuyer
  • Construction loan
  • VA Loans

APPLY NOW
MEET OUR MORTGAGE TEAM

Lagniappe

FREE Mortgage Loan Review
FREE no obligation Pre-qualification application

Home Equity Loans/Lines

Homeownership is a longterm commitment and with that comes benefits. Our Home Equity Loans and Lines of Credit can be used for a wide range of purposes. We offer competitive rates and since this loan may be tax deductible (consult your tax advisor), could provide you a lower cost way to borrow!
These are just a few examples:

  • Home repair or remodel
  • New vehicle
  • Swimming Pool
  • Debt consolidation
  • Education expenses
  • Family vacation

APPLY NOW
MEET OUR MORTGAGE TEAM

Lagniappe

LOCAL decision making and processing
DEDICATED Home Loan Specialist is with you every step of the way
FREE Mortgage Loan Review
FREE no obligation Pre-qualification application

Land Loans

Finding the perfect piece of land is the first step in building your dream home. The next step is financing, and that is where we can help. Land loans provide short term financing in order to purchase the property on which you intend to build your new home.

  • Raw Land Loans
  • Developed Lot Loans*

APPLY NOW
MEET OUR MORTGAGE TEAM

*We offer 100% financing to qualified borrowers who want to purchase a developed lot for their future home.

Lagniappe

LOCAL decision making and processing
FREE no obligation Pre-qualification application

Overdraft Protection Solutions

Line of Credit

Occasional overdrafts and unexpected opportunities happen. If you want the avoid overdraft fees on your checking account and have the peace of mind that your checks and debit card transactions will be honored, apply for our Overdraft Protection Line of Credit.

Overdraft Privilege

While we don’t encourage overdrafts, we do know that accidents happen and offer a solution to avoid the costly fees of returned checks as well as the embarrassment and inconvenience of being declined at the checkout. By choosing Overdraft Privilege, you give us permission to honor your checks and bill pay transactions, at our discretion, and allow your account to go negative. Also, if you opt-in to overdraft services for debit cards, you give us permission to allow debit card and ATM transactions to result in a negative balance. You will owe an overdraft fee to the bank for each overdrawn item but will avoid the merchant’s returned-check fee and will stay in good standing with the people you do business with.