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Types of Personal Loans

At Clinton Savings Bank, we offer both secured and unsecured personal loans to help fund your endeavors. The main distinction between these types of loans is collateral. A secured loan requires you to pledge something as collateral that the lender can take if you don't pay the loan according to the predetermined schedule, usually cash in a savings account. Unsecured loans do not require collateral, so these personal loan rates tend to be higher.

Secured Loan

Use your savings as collateral to secure a lower rate than an unsecured loan. Your savings continues to earn interest. After your balance is paid off, you can access your savings.

Work with local lenders.

Borrowing can seem scary, but it doesn’t have to be. Our personal lenders take care when customizing your financing. Rest assured with one-on-one guidance throughout the application process. If you have any questions, you can always give us a call — or visit your local branch.

  • Competitive rates for a wide variety of personal needs
  • Secured and unsecured options available
  • Flexible terms tailored to fit your budget
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

How does a Personal Loan work?

Personal term loans work just like home or auto loans — you apply for the amount you need, and if approved, receive the funds up front. Then you pay it back in monthly installments, with interest, over your agreed-upon repayment term. The primary difference is that, while home and auto loan funds are intended for a specific purpose, you can use your personal loan for a variety of needs.

How can I apply for a Personal Loan?

You can apply online in just a few minutes. Once an application is submitted, you’ll hear back from a CSB Representative in one to two business days. Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.

What are your current Personal Loan rates?

Check out our Rates Page for all of our current loan rates.