Consumer Loans: We Have a Loan Option for Your Lifestyle

Consumer loans play an important role in helping our customers manage financial needs, whether for purchasing or refinancing a car, consolidating debt, or covering unexpected expenses. Understanding how these loans work and the different types available can help you make informed borrowing decisions.

What Are Consumer Loans?

A consumer loan is a type of loan for personal use, rather than for business or commercial purposes. These loans can be secured or unsecured and are typically repaid in fixed installments over a specified period.

Types of Consumer Loans

Unsecured Loans

Unsecured loans are personal loans that don’t require collateral but are primarily based on your personal creditworthiness, which includes your credit score, income and financial health.

• Personal Loans: Use a personal loan for various purposes such as paying off expensive medical bills, renovating your home, or debt consolidation. Crews Bank & Trust will offer a competitive rate and more importantly, unparalleled personal service.

Secured Loans

Secured loans are purpose-specific loans designed specifically for purchasing new or used autos, boats and recreational vehicles (RVs). In this case, the car, boat or RV serves as collateral. Loan terms vary based on credit-score, loan term and the age/value of the vehicle you are financing. These loans often require a down payment, usually between 10-20%. Types of secured loans available to you at Crews Bank & Trust are:

• Auto Loans: Purchase your dream car or replace your current car loan with an affordable rate – both are possible through the auto loans we offer.
• Boat Loans: We know a thing or two about fishing in Florida. Whether you're departing from Charlotte Harbor or Sarasota for the deep sea, enjoying local lakes in Winter Haven or Lake Placid or simply trolling the Peace River, we can help you get the boat you want.
• Recreational Vehicle Loans: Enjoy Florida’s great weather with a motorcycle or motorhome that lets you make the most of being outdoors. We offer affordable consumer loans for both so that you can cruise cross-country or take short trips to nearby getaways.

Why Choose a Consumer Loan from Crews Bank & Trust?

Crews Bank & Trust consumer loans offer personalized service, quick turnaround, and a variety of loan terms at competitive rates. They cater to individual needs with flexible terms and a user-friendly application process guided by local, expert lenders.

• Flexible Loan Options: We offer a variety of consumer loans to fit your needs, from personal loans to auto loans and more.
• Competitive Rates: Our competitive interest rates make borrowing more affordable.
• Local Decision-Making: As your hometown bank, we make loan decisions locally, which means faster approvals for you – often within 24 hours.
• Personal Service: Your personal banker will work with you to secure your loan, and you can be guaranteed you will be treated like a person, not just a number, from the beginning to the closing of your loan, and beyond.

The Online Application Process: Quick, Simple, Secure

When you need a personal loan, you want a simple, quick, and hassle-free application process. Crews Bank & Trust makes it easy to apply for consumer loans online, so you can get the funds you need quickly and without stress. Whether you're buying a car, consolidating debt, or buying an RV for fun adventures, our streamlined process ensures a fast and convenient experience.

• Visit Our Website: Go to our secure online application page.
• Complete the Application: Provide basic information about yourself and the loan you need.
• Submit and Relax: Once you submit your application, our team will review it promptly.
• Quick Decision and Funding: Our goal is to provide quick decisions, so you can access your funds sooner.

Tips for a Smooth Application

• Do your homework by collecting all the information you’ll need to apply. Have your personal and financial information ready when you sit down to apply.
• Double-check your application for accuracy. Lenders use the information you provide to determine how much they are willing to lend you at what interest rate. If you are missing information or documents, your application could be rejected or delayed.

Still have questions?

Our team is always happy to help! Stop in to any one of our 19 locations to chat with a personal banker or give us a call.

We work hard to make borrowing convenient with our quick, easy application process and personalized service and our local, experienced team will help you every step of the way.

Loans subject to credit approval. NMLS #406389