Consumer Loan Rates

Consumer Loans

Loan Type

APR* Range

Collateral Description

Rates are current as of today’s date. Rates are subject to change.
* APR means annual percentage rate. New/used auto rates reflect a .25% discount for auto pay from a Bank of the Pacific account.
Credit score, loan terms, maximum and minimum loan amounts may affect rates. Used auto loan rates are affected by mileage. Marine vessel loans carry a $350 loan fee and a $35 document preparation fee. All other loans carry a $100 loan fee and a $35 document preparation fee. Taxes, Title, Registration and other fees may also apply. Please contact your local branch for rate information on other loan types. All loans subject to credit approval.

Loan Type

New Auto

APR* Range

6.214% – 8.183%

Collateral Description

Automobile for private use no more than 12 months old.

Loan Type

Used Auto

APR* Range

6.766% – 11.527%

Collateral Description

Automobile for private use no more than 15 years old and no more than 200,000 miles.

Loan Type

Classic Auto

APR* Range

8.99% – 9.566%

Collateral Description

Classic Autos for private use are typically 20-25 years old and no more than 200,000 miles. May require a classic auto appraisal.

Loan Type

New Recreational Vehicle (RV)

APR* Range

7.717% – 8.615%

Collateral Description

Either Motor Home or Camper Trailer. May not be used as Primary Residence.

Loan Type

Used Recreational Vehicle (RV)

APR* Range

8.772% – 9.367%

Collateral Description

Either Motor Home or Camper Trailer. May not be used as Primary Residence.

Loan Type

Consumer Boat Loan

APR* Range

7.467% – 8.158%

Collateral Description

A consumer boat loan is considered a ski boat or small lake type fishing boat that would be pulled out of the water and stored on a trailer – trailer and motors (if outboard) will be used as collateral as well.

Loan Type

Consumer Marine Vessel Loan

APR* Range

8.054% – 8.470%

Collateral Description

Small yacht, sail boat or sport fishing boat. Private/Non-commercial use. May not be used as a Primary or Secondary residence.

Loan Type

Motorcycle Loan

APR* Range

10.75% – 11.335%

Collateral Description

Motorcycles for private use no more than 15 years old and no more than 200,000 miles. For street legal motorcycles only.

 

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Home Equity Line of Credit (HELOC)

APR Range*

Collateral Description

Rates are current as of today’s date and are subject to change. Interest rates are variable and are based on the Wall Street Journal Prime Rate. Interest rates may change monthly but will never be higher than 18.00% APR.* An annual loan fee of $50 will be charged on the anniversary date of the loan. Terms vary based on credit history. Loan is secured by your home and is subject to credit approval and property appraisal. Paying only the minimum payment amount may result in a balloon payment at maturity. Other fees and restrictions may apply. Fees range from $210-$3345.
* APR means annual percentage rate.

APR Range*

6.75% – 7.25%

Collateral Description

Revolving line of credit drawing from the existing equity of a primary residence.

 

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Learn more about HELOCs

 

Home Equity Loan

APR Range*

Collateral Description

Rates are current as of today’s date. All loans are subject to credit approval. Certain fees and restrictions may apply.
* APR means annual percentage rate.

APR Range*

7.414% – 9.851%

Collateral Description

Term-based loan based on the existing equity of a primary residence.

 

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Learn more about Home Equity Loans