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Personal Loan Center

Your dreams can come true. And we can finance them.
Go ahead. Dream big. Chances are, we have the loan to fit your needs. And the banker to help make it a reality.

Personal Loans

A Personal Loan is a secured loan or unsecured loan that is used for personal needs. Buy a car, pay for a wedding, take the trip of a lifetime, buy an RV, create the ultimate home entertainment room or consolidate your existing debt to reduce your monthly payments.

Secured Personal Term Loans and Lines of Credit

  • New and Used Vehicles Loans for
    • Cars/Trucks
    • Boats and RVs (including motor homes, fifth wheel, travel trailer, pop-up campers or slide-on campers)
    • Aircraft
    • Motorcycle, ATV, Snowmobile, Personal Watercraft loans and more
  • Home Equity Lines of Credit
  • CD Secured Loans —Term equal to the maturity of the CD, minimum loan $2,500


Unsecured Personal Term Loans and Lines of Credit:

  • Unsecured Personal Term Loans—Fixed rate, $5,000 minimum
  • Unsecured Line of Credit —Variable rate, $5,000 minimum

Home Equity Lines of Credit

Home Equity Line of Credit (HELOC)

The equity you have built in your home can help you obtain money for almost anything you need—fund a college education, home improvement projects or consolidate your bills. The home equity line of credit is a flexible product with competitive interest rates and a portion or all of your line may be fixed.

A HELOC is very useful if you anticipate expenses over a period of time.  It uses your home as collateral and because it is a line of credit, you can get the money you need, when you need it.  Funds may be accessed using checks, online, at the ATM or at your local branch.


Home Equity Line of Credit with Fixed Rate Conversion Option (FRCO)

Columbia offers a flexible variable rate HELOC product where a portion or all of your line can be fixed. This product will meet your needs if you are looking for a Fixed Rate Conversion Option or a Variable Rate HELOC

  • Access your funds using line of credit checks or make withdrawals at your local branch
  • Continuous borrowing is available for funding ongoing expenses such as education and home improvement projects
  • Ideal if you prefer to borrow only when money is needed.
  • Available for owner-occupied, single-family residences*
  • Minimum line of credit loan amount is $5,000
  • Upon closing, you can access funds when needed

 *Contact your local branch for terms on second home and rental properties.

Vehicle Loans

Columbia Bank offers a wide variety of loans for almost any kind of vehicle; from airplanes to all-terrain vehicles (ATVs). Vehicle Loans are secured by the vehicle being purchased and are typically for a percentage of the loan-to-value of the vehicle, which is essentially the purchase price minus a down payment.

We offer vehicle loans for new and used vehicles of almost any type—cars, trucks, recreational vehicles (RVs), boats, airplanes, motorcycles and even personal watercraft and ATVs. We have the expertise to help you make an informed decision on your vehicle loan. (Is a home equity line of credit a better way to get your vehicle? Call us—we'll help you with that one.)

Type of Vehicle

Financing (All Fixed Rate)

Car or Truck
(New or Used)

• Loans for new or "new-to-you" cars/trucks
• Minimum loan: $2,500

Boat or RV Loans*
(New or Used)

• Loans for boats, motor homes, fifth wheel, travel trailer, pop-up camper 
   or slide-on camper
• Minimum loan: $5,000:

*Self contained/Conversion vans are not eligible

(New or Used)

• Minimum loan: $10,000

Other Financing Available

• Loans for motorcycles, all-terrain vehicles (ATVs), Snowmobile, 
   Personal Watercraft and more
• Minimum loan: $2,500

How to Apply

Whether you've already looked through our loan options and have a pretty good idea of what you want, or if you've decided to start by talking to a lender first - you're in the right place.

Your lender will help guide you to where you want to be - with exactly the right loan.

Contact us today to get started.