Peoples Bank provides financing for all types of new and used vehicles to qualified
borrowers. Typically, we will loan up to 90% of the purchase price on new vehicles
and up to the published NADA Official Used Car Guide loan value for used vehicles.
To estimate what your monthly payment amount would be on your next auto loan, check
out our Loan Calculator, or call one of our loan officers for current rates and
We understand that your needs and dreams are unique. We'll work with you to select
just the right kind of loan and repayment plan to help you satisfy your financial
needs or make your dreams come true. Call one of our loan officers today, and let
us know how we can help! We provide a wide array of loan services including, but
not limited to, the following:
Boat / RV Loans
Home Improvement Loans
Loans Secured by Certificates of Deposit / Savings
Peoples Bank understands the value of home equity and offers revolving lines of
credit secured by the equity you have in your home. Once your application is approved
and your credit limit determined, you can conveniently access your equity line account.
You decide how much of your credit limit you will use, and when and why you will
Some home equity line customers utilize their credit line to consolidate present balances on credit cards and other loans, and many use it for major expenses such as home improvements, school tuition, vehicle purchases or even a dream vacation. With a home equity line, you may be able to take advantage of some valuable tax deductions. If you itemize when you file your tax return, the interest you pay on the money you borrow on your home equity line may be deductible. You should consult with your tax advisor regarding the deductibility of interest and charges for the line.
To determine the potential amount of credit for which you may be eligible on a home
equity line, complete the simple calculation below:
Peoples Bank strives to help serve the local housing needs of our community. Any
mortgage loans that we originate will be held in our own portfolio until maturity.
Our "in-house" mortgages are not sold or assigned elsewhere for servicing, so if
you should ever have a question about your loan you can contact us directly. And
if a mail delay has ever caused one of your mortgage payments to be late, you will
enjoy the convenience of being able to make your payments at
any of our locations
or of having your mortgage payment automatically debited from your Peoples Bank
We can offer quicker closings and more flexibility because our decisions are made locally, and are not dependent upon an underwriter in Texas, Charlotte or Atlanta. We do not require the escrow of taxes and insurance, and there is no prepayment penalty on our residential mortgage loans.
If you are interested in a residential construction/permanent loan arrangement,
we can efficiently combine a Peoples Bank construction loan with our in-house mortgage
program on a single closing. If you prefer a traditional fixed rate long-term mortgage,
we can coordinate a construction/permanent loan with one of the quality mortgage
lenders in our local market area to help you simplify the application process and
save on closing costs. Our goal continues to be to provide you with the best possible
service...that's what relationship-based community banking with Peoples Bank is
For commercial purpose construction and/or mortgage loans, click here.
For over 90 years, Peoples Bank has been committed to relationships in the way
we meet and serve the financial needs of businesses. Some of the advantages of doing
business with our family-owned bank include:
Local Decisions, Expertise and People —
A local senior commercial officer with proven experience and the expertise to understand
your financial needs will take the time to learn about the nature of your business,
your future plans and existing loan request. Decisions are prompt and responsive
- there's no need to rely upon out-of-town committees, "ivory-tower" decision-makers
or computer credit scoring systems.
Flexibility — Peoples Bank can accommodate
multi-million dollar total loans to a single borrower. We also specialize in commercial
real estate loans of all types, including acquisition, investment and development
Simple Service — The people you need
to resolve issues or answer questions are simply on hand and available in person
at Peoples Bank's local banking offices. Your banking experience with Peoples Bank
will not involve long-distance call centers, 1-800 telephone numbers or various
layers of departments to receive attention and service. In addition, your commercial
officer is the only person you will need to see for any and all of your commercial
and personal banking needs.
Relationship & Advice — Since 1910, we
have been committed to long-term relationships in the way we do business as opposed
to an impersonal, transactional approach. Peoples Bank seeks to furnish you with
sound, long-term advice to suit your particular plans and circumstances, even if
this means steering you toward a solution that we may be unable to provide.
Peoples Bank believes that investing in local growth and development is one of the
best ways we can help our community and its residents to reach their full potential.
That is why construction loans receive a major emphasis in our lending activities.
We have the experience and the know-how to assist both the professional builder/developer
and the homeowner building his or her very first home, and our rates and terms are
always competitive. Please call us for more details on the specific construction
project you have in mind.
Peoples Bank provides loans secured by commercial real estate
for a variety of business financing needs. Usually these loans finance most of the
cost of purchasing, constructing, making improvements to, or refinancing commercial
A single loan can be provided to handle both construction and
long-term financing needs for a new commercial building. This minimizes up-front
costs for the customer.