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 Personal 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 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 appraisal fee
  • BankRewards® points—one point for every $1 in Home Equity Card 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**
Home Equity Loan

Use our Home Equity Loan to put your house to work for you. You may be able to use the equity in your home to pay for home improvements, debt consolidation, education expenses or any worthwhile purpose.

Our traditional Home Equity Loans carry a fixed rate and are secured by the owner’s primary residence. The maximum loan amount is based on a percentage of the property’s appraised value less any existing liens. Your home must be owner-occupied to qualify for this loan. 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.

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 accountholders may apply for a Cashline up to $3,000. This convenient line of credit is attached to your checking account and can help protect you against overdrafts. It can also provide an immediate source of emergency cash.

*Annual Percentage Rate (APR) is a variable rate based on the Prime Rate published in the Wall Street Journal and subject to a minimum APR as noted below. As of 3/1/10, Prime Rate is 3.25%. Bank rates range from Prime plus 1.50% to Prime plus 4.25%. Corresponding variable APRs currently range from 4.75% to 7.50%. San Diego National Bank or U.S. Bank customers with an existing checking account at the time of final decision qualify for an additional rate reduction of .50% APR. We will use the most recent Prime Rate available as of the last day of the month for any APR adjustment. However, under no circumstances will your APR exceed 18% or go below 3.25%. 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 minimum line amount is $10,000. An early termination fee of $495 is assessed if the line is paid off and closed within 24 months of loan date. A $50 fee will be assessed annually beginning on the first anniversary of the account opening. 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 mortgage.