San Diego National Bank

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Consumer Loans

Find a Loan Tailored to Your Needs

Whether you’re in the market for a new car, remodeling your home or looking for extra money for college, we have the loan you need. At San Diego National Bank, our Relationship Bankers will take the time to help you find the right loan with the best rates and terms. To learn more about the products and services listed below, contact your local branch.

Home Equity Line of Credit

Our Home Equity Line of Credit with a variable rate as low as Prime minus .50% APR* is an easy way to get the cash you need for just about anything you want to do. It comes with all these great benefits:

NO application fee
NO closing costs
NO appraisal fee
NO annual fee
BankRewards^® points—one point for every $1 in purchases
A Home Equity Card, for convenient access to your line of credit wherever Visa^® is welcomed. Or access your line by writing a check—it’s your choice.
Interest may be tax deductible^**

Already have a line of credit elsewhere? It’s easy to switch. And, we’ll even reimburse you to cover any early closure fee up to $300 when you bring your existing line to us.^***

Fixed Rate Home Equity Loans

Use our Fixed Rate Home Equity Loans to put your house to work for you by using the equity in your home to help pay for home improvements, debt consolidation, education or any worthwhile purpose.

Our traditional Equity Loans carry a fixed rate for the term of the loan. Monthly principal and interest are fully amortized over the term of the loan – there is no balloon payment. There are no application fees, no appraisal fees and no closing costs.

The maximum loan amount is based on a percentage of the property’s appraised value less any existing liens. Interest paid on your Home Equity Loan may be tax deductible. Consult your tax advisor for details.

Auto Loans

If you’re in the market for a new or used car you will find the right financing at San Diego National Bank. On new cars, we will finance up to 100% of the sales price plus tax and license on any make and model you choose. On used cars (five years or newer), we will finance up to 100% of purchase price, not to exceed 100% of Kelly Wholesale Blue Book price.

Personal Loans and Lines of Credit

As an San Diego National Bank customer, you can get prompt approval on a personal loan to use in case of emergency or for any other worthwhile purpose. With a Personal Unsecured Loan, you can borrow up to $7,000.

CD Secured Loans

We also make personal loans secured by property other than real estate or automobiles. If you have a Certificate of Deposit issued by our bank, you can borrow up to 100% of the amount.

Cashline

San Diego National Bank personal checking account holders may apply for a Cashline up to $10,000. This convenient line of credit is attached to your checking account and protects you against overdrafts. It can also provide an immediate source of emergency cash — over and above your checking balance. Simply write a regular check for any amount, up to your approved credit limit.

^*Annual Percentage Rate (APR) is a variable rate based on the Prime Rate published in the Wall Street Journal-Western Edition plus or minus a margin as of the business day following the billing cycle. As of 5/5/08, Prime Rate is 5.00%. San Diego National Bank rates range from Prime minus .50% to Prime plus 1.50%, resulting in corresponding variable APRs currently ranging from 4.50% to 6.50%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, combined loan to value and line amount. The maximum APR is 18% and the minimum APR is 4.00%. The minimum line amount is $5,000. A minimum draw of $10,000 within 90 days of establishing the account and a Home Equity Card is required to collect BankRewards bonus points. An early termination fee of $495 is assessed if the line is paid off and closed within 24 months of loan date. Subject to credit approval and property valuation. Program terms and conditions are subject to change at any time without notice. Property insurance is required and flood insurance may be required. The loan program applies to owner occupied 1-4 family residential or condominium properties and must be secured by first or second deed of trust.

^** Consult your tax advisor regarding the tax deductibility of interest.

^*** A balance transfer of $25,000 or more is required at closing.