Consumer Loans

Whether you’re dreaming of hitting the open road or boating the local waters, we can help turn dreams into reality at Altabank.

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When it’s time for a new car, truck or SUV, visit Altabank first to get preapproved. Knowing how much you can afford will give you a leg up at the dealership and expedite our already-fast loan approval process. Our auto loans are available for new and used vehicles with attractive terms up to 100% of the N.A.D.A. Guide® or Kelley Blue Book® trade-in value.* You can also refinance your current auto loan to lower your existing payment and rate while you continue paying off the loan.

Whether you’re dreaming of hitting the open road or boating the local waters, we can help turn those dreams into reality. We offer RV and boat loans up to 100% of the N.A.D.A. Guide® or Kelley Blue Book® trade-in value.* 

An unsecured loan is a type of short-term unsecured personal loan that doesn’t require physical collateral. These loans have fast approval turnaround times and involve less paperwork than traditional collateralized loans. Altabank’s signature loans can be used for many purposes, including debt consolidation, major purchases, home repairs, emergency expenses and more.*

Overdraft Service covers shortages in your checking account. This helps you avoid overdraft and returned-check charges, along with embarrassing situations.  The loan amount can be a minimum of $500 to a maximum of $5000, and carries a simple interest rate of 18%.  Minimum payment is the greater of $25 or 5% of the outstanding balance. Fees are waived on Military Lending Act transactions to covered borrowers.

 

Overdraft Services – We have overdraft services that may be less expensive than fees assessed for an overdrawn account. If you qualify and authorize this service, we can transfer funds from a line of credit to pay items which would otherwise cause your account to be overdrawn or to pay items that would otherwise be rejected for non-sufficient funds. There is no fee associated with the transfer from a line of credit, but you will be charged interest in accordance with the line of credit agreement. You can also authorize us to transfer funds from a savings, money market, or other account to prevent your account from becoming overdrawn or to pay items that would otherwise be rejected for non-sufficient funds. If you authorize this service, you may be charged a Sweep Transfer Fee each time we transfer money from an account other than a line of credit to prevent your account from becoming overdrawn or to pay items that would otherwise be rejected for non-sufficient funds. If you have overdraft services, we will attempt to use those services before we pay an item or reject or decline an item.