Personal Loans/Lines

Personal Loans/Lines

We know that everyone has different financial needs and a personal loan from California Bank & Trust (CB&T) may be just what you need to meet short-term needs.  We offer both unsecured and secured Personal Loans with the convenience of fixed monthly payments. Credit products are available to California residents only.

A personal loan is exactly that. In fact, you can apply for a CB&T personal loan to pay for household items, unplanned expenses, or just about any other personal need you can think of. An unsecured loan allows you to borrow without collateral and your loan amount will be based on your income and ability to repay.

Advantage Line

A Flexible Resource:

Now you can enjoy quick, convenient access to the funds you need. California Bank & Trust's Advantage Line offers the flexibility of a generous, revolving line of credit from $10,000 to $100,000. Simply write a check when you need cash; no need to liquidate or tie up your valuable assets.

Quick, Convenient Access: Once your credit line is approved, you are prepared for any emergency or special purchase. Just write a check for $500 or more whenever you wish.

As you repay principal, those funds become available to be used again and again without having to reapply each time.

How to Apply

Contact your branch for details. Or apply by calling TeleLoan * at 1-800-429-7685.

If you are an DirectNET Online Banking customer and have applied for a consumer loan online, Check the status of your pending application. 

*Please have this information ready when you call TeleLoan:

• Social Security Number and date of birth (borrower and co-borrower)
• Home address and phone number/mailing address if different from home
• Previous address if at residence for less than 2 years
• Two-year employment history, plus employer(s) names/phone numbers
• Gross monthly income
• W-2 (1 year) and current pay stubs; if self-employed, last 2 years' tax returns
• Value of collateral (i.e. real estate, stock, savings account, etc.)
• Copies of real estate deed(s) or current loan statement(s)
• Name/phone number of nearest relative(s) not living with you