Personal Loans

Your home may be your most valuable asset - why not let that value work for you? Home Equity Loans let you borrow a fixed amount that you pay back over an agreed-upon term. If you're looking to finance a major purchase or a one-time borrowing need, an equity loan may be the right loan for you. This option offers a competitive fixed rate with extended terms to keep your payments affordable. The best part is, your interest payments could be 100% tax deductable (please consult your tax advisor).

Use our checklist to help expedite your loan process:

• Home equity application, signed by all borrowers
• Name, address, and account number of current mortgage holder(s) and home owner's insurance company
• Salary and wage verification (most recent W-2 form and pay stub for all borrowers)
• Other income (last two years tax returns including all schedules)
• If self-employed, year-to-date financial statements and most recent two years federal tax returns

More flexible than a home equity loan, a Home Equity Line of Credit (HELOC) allows you to access your home's value when you need it and pay interest only on the amount you use. It's easy to draw funds up to an approved amount any time over ten years. A HELOC is a great option if you're looking for a combination of economy and versatility. Plus, there is no annual fee.

Use our checklist to help expedite your loan process:

• Home equity application, signed by all borrowers
• Name, address, and account number of current mortgage holder(s) and home owner's insurance company
• Salary and wage verification (most recent W-2 form and pay stub for all borrowers)
• Other income (last two years tax returns including all schedules)
• If self-employed, year-to-date financial statements and most recent two years federal tax returns

A Reserve Line of Credit is designed to be conveniently connected with your checking account to safeguard you from unwanted overdraft fees. You'll get flexibility and security knowing you have a cash reserve ready to use - emergency or not. If you need a smaller amount quickly and don't want to use the equity in your home (or if you don't own a home), a reserve line of credit may be a good option for you.

• 24-hour access through a Horizon Bank checking account or cash advance
• Immediate funding (you can access funds potentially on the same day with a personal credit account)
• Quick approval process
• Revolving credit limits starting from $500
• Monthly statements (for every month there is activity on the line)

Select your Auto Loan the same way you outfit your car or truck - with options tailored to fit your needs. Horizon Bank offers competitive rates and longer terms that will let you enjoy your dream car - and have affordable payments, too. When you are ready to buy a new or pre-owned vehicle from a dealer or private party, or refinance your current vehicle, we can provide you with a loan option that meets your needs.

• Competitive down payments
• No minimum loan amount
• Wide selection of terms available
• Competitive rates

Click here to calculate rate and payment

If a cross-country adventure or relaxing on your boat is in your future, we can help you get there. Horizon Bank's RV Loan program offers competitive rates and extended terms - the call of the open road may just be more affordable than you think.

With all the boating opportunities the Pacific Northwest has to offer, it's no wonder so many dream of owning a boat. A Boat Loan from Horizon Bank offers excellent rates and extended terms. Whether it's power or sail, for lakes, streams or the Puget Sound; we have the loan program to float your boat.

• Competitive rates and flexible terms
• Fixed-rate loans
• No prepayment penalty
• Fast, easy application
• New vehicle/boat
• Used vehicle/boat (dealer or private party)
• Refinance

Now you can have an easy to use Visa® that earns rewards on all of your everyday purchases. The best part is that your points are redeemable for so much more than just airline miles. Horizon Bank's Rewards Visa® cards provide convenience, security, benefits, and value all packed into one little card.

• Worldwide acceptance and cash access wherever you see the Visa® logo
• 24-hour toll-free customer service
• Easy lost or stolen card reporting
• Online account access
• Internet security and fraud protection

Here are just a few of the great products you can get by being a Horizon Bank Rewards Visa® cardholder:

• Air Travel on most major airlines, with no blackout periods
• Complete vacation packages including airfare, hotel, and car rental
• Hotel and entertainment benefits
• Gifts such as digital cameras, camping equipment, and home theater systems
• Cruise packages and travel certificates for friends and family