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Personal Loans

Straightforward financing designed to help you move forward with confidence.

Flexible Personal Financing, Built Around You

Civista’s personal lending options are built around real goals from home projects and vehicle purchases to consolidating debt or planning what’s next. With competitive rates, fast decisions, and guidance from local experts, you can access financing that works the way you do.

Connect with a Civista lending specialist to explore your options and take the next step.

Speak With an Expert
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Why Choose Civista

We combine local decision-making with modern tools to deliver financing that’s fast, flexible, and built around you.

Faster Approvals

Our local lending teams can review and approve loans quickly, helping you move forward without unnecessary delays.

Personalized Solutions

We tailor financing options based on your goals, credit profile, and financial picture, not a one-size-fits-all formula.

Simplified Online Experience

You can apply for and manage your financing options online through our online application portal, giving you more control and more freedom.

Personal Financing Options

Choose the solution that best supports your goals, whether you’re borrowing, building, or rebuilding.
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Home Equity Line of Credit

Turn equity into opportunity. With a HELOC, you can handle home renovations, big purchases, and consolidate debt with ease, while taking advantage of competitive rates on easily accessible funds.

  • Revolving line, usable for 10 years.
  • Interest-only payments during the draw period.*
Learn More & Apply
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Vehicle Loans

We put you back in the driver’s seat. Finance or refinance your next car, truck, or SUV with competitive rates and flexible terms from Civista. 
  • Financing for new or used vehicles.
  • Competitive rates and flexible terms to suit your needs.
  • ¼% rate discount for automatic payments made from Civista Personal Checking account.
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Deposit-secured Loans

Leverage your Civista Savings account or CD balance to secure more friendly financing terms. Great for reestablishing credit while keeping your money in safe hands.

  • Installment Loan: Fixed monthly payments, up to 60 months.
  • Single-pay Loan: Lump-sum repayment, up to 12 months.
  • Line of Credit: Revolving access, up to 36 months.
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*Home Equity Line of Credit (HELOC) lowest rate is Prime (6.75% Annual Percentage Rate (APR) as of 12/11/2025). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close out your home equity line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 12/11/2025) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75%; maximum APR is 25.00% (OH, MI, PA), 21% (IN), 19% (KY). Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio.

Draw period: 10 years (interest-only payments). The interest rate on a HELOC is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 10-year draw period of your home equity line of credit. Repayment period: 10 years (principal & interest payments). Property insurance required and flood insurance may be required. Minimum loan amount is $10,000.00. Consult your tax advisor regarding interest deductibility. Subject to credit and property approval. Advertised rates and terms are subject to change without notice.

Ready to Apply?

Contact your local branch to schedule an appointment with a lending specialist and explore your options, or apply online for additional convenience.
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