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Loans & Mortgages

The Guernsey Bank is an Equal Credit Opportunity Lender.

Almost everyone needs money at some point for a special purchase, a college education, a new home or a business need. That’s why there are banks. Of course The Guernsey Bank has all the loans and mortgages you’d expect from a full service financial institution. But we’ll do something few other banks will do – we’ll get creative and customize a loan program to fit your specific needs*. Just call and ask.

Click here to fill out and submit a loan interest form to The Guernsey Bank. We’ll call you back within 48 hours to discuss your options.

*All loan products are subject to credit approval. Fees may apply. Call one of our Loan Officers for more information.

Personal Loans
We can help you find the right loan with affordable monthly payments for any need you may have. Enjoy the convenience of Auto Pay and have funds automatically withdrawn from you checking account to make your loan payments. Ask for a loan application today or fill out our loan interest form and we’ll call you back within 48 hours with feedback!

Home Equity Loans
A Home Equity Loan is a great way to get the cash you need for home improvements, vacation, school tuition, debt consolidation, anything! Be sure to consult your tax advisor as special tax benefits may apply. Choose this type of loan for a fixed rate, fixed term, and/or fixed payment. Receive a Home Equity Loan up to 90% of the value of your home. Conditional approval within 48 hours. Enjoy the convenience of Auto Pay and have funds automatically withdrawn from your checking account to make your loan payments.

Home Equity Lines of Credit
Enjoy the financial freedom that a Home Equity Line of Credit has to offer. There is no need for a lengthy application process each time you need cash. Simply write a check to access your line of credit. You can borrow against any part of it or the full limit at one time. Since this is a revolving line of credit, as you pay down your principal balance, those funds become available to use again. Receive a Home Equity Line of Credit up to 90% of the value of your home. Conditional approval within 48 hours. Be sure to consult your tax advisor as special tax advantages may apply.

Auto Loans
Thinking about a new car or truck? The Guernsey Bank can help you find the right loan with affordable monthly payments. We offer competitive fixed interest rates. Enjoy the convenience of Auto Pay and have funds automatically withdrawn from your checking account to make your loan payments. Ask for a loan application today or fill out our loan interest form and we’ll call you back within 48 hours with feedback!

Deposit Loans
Conveniently borrow from your own savings account or Certificate of Deposit at low, attractive interest rates. Enjoy guaranteed instant loan approval. A great idea when you are in need of extra cash!

Certificate of Deposit Lines of Credit
Unleash the power of your Certificate of Deposit with this innovative Guernsey Bank revolving line of credit. Your Certificate of Deposit earns the same high interest you desire while cash is available instantly by accessing your line of credit by checkbook or credit card. You can borrow against any part of it or the full limit at one time. With this revolving line of credit, as you pay down your principal balance, those funds become available to use again. Enjoy guaranteed instant line of credit approval.

Home Loan Services
Tired of paying rent? Finally found that dream home you have been wanting? Let the friendly people at The Guernsey Bank help you put it all together! Lending decisions are made locally by people who understand your needs. We want to help you find the right loan with monthly payments you can afford. We also offer competitive closing costs.

  • Purchase

“Moo-ving” to a new home? The Guernsey Bank has a wide variety of home loan products. Choose an FHA loan with as little as 3.5% down or a low rate conventional loan. Veterans can take advantage of no down payment! Our Lender Paid Insurance program can give you lower monthly payments when you put less than 20% down.

A benefit of working with a Community Bank, is that we offer alternate financing by keeping many loans in our bank’s portfolio. If your property or circumstances are a little unique, we bring old fashioned, common sense back to lending. Plus, you can make your payments at any of our branches! You’re more than an account number to us!

  • Refinance

If you love your home and want to save some “Moolah” by refinancing, we can help with that too!

  • Construction

New home construction loans are available! Talk with a Loan Officer today.

Commercial Loans
Does your business need money? The Guernsey Bank can help you with business or commercial investment loans that fit the needs of many types of projects. Building a new office, buying a warehouse, need new equipment? We want to help you grow. We offer competitive programs and creative loan structures to maximize your cash flow. Call us today and talk to one of our experienced commercial lenders. We’ll talk to you about your lending options.


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