Personal Loan Products and Services
There are a variety of ways that Bank of Stockton can help you manage your lending needs. From personal lines of credit and vehicle loans to home loans and home equity lines of credit, Bank of Stockton is ready to help consolidate your finances through one friendly banking experience.
Home Loans
Residential Mortgage Loans
We offer both fixed and adjustable rate mortgage loans for both owner and non-owner occupied properties. Our rates are competitive with terms up to 30 years for both purchase and refinance transactions.
Home Equity Lines of Credit
Access your home’s equity with a Bank of Stockton Home Equity Line of Credit (HELOC). We offer competitive rates and terms and you pay interest only on the amount you use. With our Home Equity Line of Credit, you can enjoy the flexibility of accessing funds on a periodic basis without having to reapply.
Vehicle Loans
Auto/Recreational Vehicle/Boat, New and Used
Let us assist in the financing of your transportation needs. We offer flexible terms, quick approvals and competitive fixed rates. Whether you are purchasing from a dealership or a private party, our experts can make the process easy.
Personal Loans
Our personal loans and lines of credit give you access to money for planned and unplanned expenses. We offer competitive fixed rates and terms up to 3 years to help simplify your budget planning. You can secure your personal loan or line of credit with your Bank of Stockton Savings or Certificate of Deposit account and qualify for a lower rate.
Overdraft Protection
Reserve Cash Account
A Reserve Cash Account (RCA) provides you with instant funds should your Bank of Stockton checking account become overdrawn. Your RCA will automatically transfer money to cover checks up to your pre-established limit. You pay no fee until you use it and pay interest on the outstanding balance. This is an unsecured, revolving line of credit. Applications are available at New Accounts and subject to credit approval.
Credit Cards
MasterCard/Visa
We offer Classic, Gold and Business Credit Cards and for customers who want to build or re-establish credit, we also offer a Secured VISA card. Applications are available at New Accounts, or click here to apply online now! Credit Card Agreement
For your loan needs, call or visit us today!
Stop by your nearest branch today and let us personally assist you with your lending needs. Click on the ‘Locations’ tab of this site for the branch nearest you, or call our Loan Departments directly for information:
For Home Loans: 209-929-1480
For Home Equity Lines: 209-929-1390
For All Other Personal Loans: 209-929-1600 or 800-399-2265