Loans and Lines of Credit

Let PBI Bank show you what’s possible. Our loan officers will work one-on-one with you to help determine the loan product that works best for you. If you’re interested in a personal loan with PBI Bank, contact your local banking center and speak to one of our associates, or call us at 1-877-369-2265.

Mortgage Loans

Purchasing a home may be one of the biggest decisions you make in life, so we offer the flexibility of a broad range of mortgage options to meet your loan needs. Whether you are a first-time home buyer, purchasing the home of your dreams or are refinancing, we’ll work to understand your needs and help you find the right product that fits your lifestyle.

  • Fixed and adjustable-rate loans
  • Terms up to 30 years
  • Competitive interest rates
  • Flexible down payment options
Offers may be subject to the terms and conditions of a credit agreement, mortgage, and/or other supporting documents that must be completed and signed. Mortgage application is subject to credit approval.
Home Equity Loans and Lines of Credit

One thing is certain, you never know what life’s going to throw your way. Home repairs, auto purchases and other expenses can be a financial strain. That’s why we’re committed to providing possibilities for tackling these expenses. We offer bill consolidation options on these easy-to-use lines of credit, and the interest may be tax deductible*.

*You should consult a tax advisor for further information regarding the deductibility of interest.

Personal Loans

Whether you’re planning a vacation or have a major purchase coming up, a personal loan from PBI Bank can help make it possible. We offer flexible terms, great interest rates and a variety of payment options, including automatic monthly repayment.

Construction Loans

If you are ready to build a new home, PBI Bank is here to help. Our application and approval processes are quick and easy so that you can break ground and get into your new home sooner. We even offer automatic monthly repayment options to make paying for your home’s construction simpler.

Automobile and Vehicle Loans

When you start shopping for a vehicle, you have numerous options from which to choose. We believe the loan and financing process should include possibilities as well. That’s why we offer flexible terms for both new and used vehicles, competitive rates and a variety of payment options to meet your needs. Refinancing options are also available to possibly reduce your interest rate and/or monthly payment.

Option Reserve Account

PBI Bank’s Option Reserve Account** provides you with automatic protection against overdrafts and overdraft fees when you have insufficient funds for unexpected expenses. Once you’ve established a credit limit, just sign a written request to transfer funds to your PBI Bank checking account, and the automatic transfer will take place up to your available limit. It acts as a pre-approved loan that makes cash available when you need it. This account:

  • Requires no additional collateral
  • Monthly payments available for outstanding balance
  • $25.00 annual fee

**Based on credit approval. Additional restrictions and fees may apply.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

For all of the above loans:

  • Offers may be subject to the terms and conditions of a credit agreement, mortgage, and/or other supporting documents that must be completed and signed.
  • Application is subject to credit approval.