Consumer Loans
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This document provides information about personal/consumer loans offered by Four Corners Community Bank. It describes the purpose of these loans, loan terms including installment loans with fixed rates, and types of loans including secured loans using titles, cash, or CDs as collateral or unsecured loans. It provides details on title loans, cash secured loans, and unsecured loans. It concludes by outlining some advantages like fixed payments and lower rates than credit cards, and disadvantages like outstanding debt and higher rates than other options.
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Credit facilities and support services
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- 1. Personal/Consumer Loans Four Corners Community Bank 10.20.18
- 2. Purpose • Large purchases (vehicles, home improvement, etc.) • Unexpected expense (medical, vehicle repair) • Debt consolidation • Build credit
- 3. FCCB Loan Terms • Installment – Loan amortizes over time and payments are made on a regular basis (monthly) • Fixed Rates – Rate remains the same over life of loan – Set to compete with other local banks (not large corporate banks; not credit unions)
- 4. Types • Secured – Collateral is used to secure the loan and can be repossessed in the event of default. – Title • Auto, RV, Boat, Motorcycle, Airplane, MH – Cash • Certificate of Deposit, Savings Accounts • Unsecured – The loan is not collateralized, making it more of a risk. – Cannot borrow unsecured for the purpose of consolidating debt
- 5. Title Loans • Any title can be used as collateral as long as we can put a value on it • Loan amount determined by collateral value • Term dependent on age of collateral • Titled collateral must have full coverage insurance
- 6. Cash Secured Loans • Great for building credit • Cannot be denied • Low risk/Low interest rates • Earn interest on the CD • Loan amount dependent on collateral value
- 7. Unsecured Loans • High interest rates • Loan amount dependent on Annual Gross Income (10%) • Maximum term of 36 months
- 8. Advantages of Consumer Loans • Unlike a credit card, you aren’t tempted to continue spending. • Fixed payment amount. • Lower interest rates than most credit cards. • Too many revolving lines can hurt your credit. • Lower fees than real estate secured loans.
- 9. Disadvantages • Outstanding debt; pay cash if possible. • Interest payments are not tax deductible, unlike that of a mortgage loan. • Depending on collateral, rates can be higher than other options (HELOC).