Explore Your Loan Options
You want a quick turnaround on loan requests, competitive rates, and local service from a knowledgeable lender. Civista offers flexible personal loan solutions tailored to different needs, budgets, and lifestyles. Compare your options below and find the one that fits you best.
Home Equity Lines of Credit (HELOCs)
Turn your home’s equity into opportunity—renovations, tuition, debt consolidation, or big purchases. Access funds as you need them with flexible terms.
- Revolving line to use again and again for the first 10 years
- Interest-only payments during the draw period*
- Learn more about our Civista HELOCs
Vehicle Loans
Finance or refinance your next car, truck, or SUV with competitive rates and terms. Get the keys faster with Civista.
- New or used vehicle financing
- Competitive rates and flexible repayment options to fit your budget
- ¼% rate discount with automatic payment from a Civista personal checking
Deposit-Secured Loans
Leverage your Civista savings account or CD to secure financing. Great for building or repairing credit while keeping your money safe.
- 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
Other Loan Options
Whether you’re looking for flexibility without collateral or prefer lower rates by securing your loan with an asset, Civista has options to fit your needs.
- Secured Loans – Use collateral such as a car, boat, motorcycle, or other vehicle for added security. Enjoy competitive fixed or flexible rates, lower costs with collateral, and no early repayment penalties.
- Unsecured Loans – Borrow without collateral, based on your credit profile. Ideal for covering expenses like medical bills, home projects, or consolidating debt, with flexible repayment options.
