Personal Loans

From buying a home, purchasing a new car, renovating your home or wondering how to finance a college education, West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank offer a wide range of loan products that will help you reach your financial goals.

Mortgage Loans

We want to help you finance your dream house.  Whether that means buying your first house or the vacation property you’ve always dreamed of, West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank will help you choose a mortgage product that’s right for you.

Visit our Mortgage Division web site for more detailed information and to find a West Town Bank & Trust or Albemarle Bank & Trust, a West Town Bank Mortgage Loan Office near you.

Secured Personal Loans

Funds for home improvement, debt consolidation and other financial needs, West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank offer Secured Personal Loans tailored to your specific lending needs.  Secured Personal Loans are typically secured with a WTBT deposit account. 

Home Equity Line of Credit (HELOC)

A convenient line of credit that’s available when you need it and the interest may be tax deductible.*  Our Home Equity Line of Credit offers many benefits including instantly available cash from the equity in your home at attractive rates for major purchases, unexpected emergencies, a dream vacation, or whatever your family’s needs may be. 

Fixed Rate Home Equity Installment Loans (HEIL)

Offers you the stability of a fixed rate loan, for a fixed term and the interest may be tax deductible.*  Fixed Rate Home Equity Installment Loan terms may be for 5, 10, or 15 years and you will know what your fixed payment will be every month.  You will receive the proceeds of the loan up front when the loan is approved.

Auto Loans

When you’re ready for that new or used car, our auto loan programs can help put you in the driver’s seat. Our simple interest loans feature attractive rates, low monthly payments and no prepayment penalties.

West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank Overdraft Protection Account

WTBT and ABT Overdraft Protection is a standing line of credit that makes available to you up to $3,000.00 whenever you need it.  Your Overdraft Protection Account is linked to another WTBT or ABT account such as your checking account so you can “write your own loan” and activate your Overdraft Protection Account by writing a check from your WTBT or ABT checking account or making an ATM & Check Card transaction.

 

For more information about any of West Town Bank & Trust’s or Albemarle Bank & Trust's, a West Town Bank, Personal Loan Products, see your personal banker today!

 

*Consult your tax advisor regarding deductibility of interest.