At Chambers Bank, we know that every customer’s financial needs are unique—and sometimes you need a little extra support to reach your goals. That’s where our consumer loans come in. Whether you’re looking to finance a new car, cover unexpected expenses, consolidate debt, or make a major purchase, our team is here to help you find the right lending solution. With competitive rates, flexible terms, and a local team who understands your needs, Chambers Bank makes borrowing simple, transparent, and stress-free—so you can focus on what matters most.
Consumer Real Estate Loans
- Residential Mortgages - Buy or refinance a home with competitive rates and local decisioning.
- Construction Loans - Build with confidence. Use funds as your home is constructed, then convert to permanent financing when the build is complete.
- Permanent Financing - Lock in long-term stability after construction or when refinancing.
Chambers Bank, SAFE Act registration #631520, is an Equal Housing Lender. All loans subject to credit approval. Terms and conditions apply.
Other Consumer Loans
- Auto Loans (new & used) - Finance your next car or truck with competitive rates and terms that fit your budget.
- Boat Loans - Enjoy local lakes with financing tailored for boats and personal watercraft.
- RV Loans - Hit the road with financing for campers and motorhomes, including flexible repayment options.
Why Choose Chambers Bank
- Local decisions and fast answers from lenders who know you and your hometown.
- Transparent terms with no surprises and clear next steps.
- Easy payments via Digital Banking, automatic draft, or in-branch.
- We're your partners for the long haul—from your first car to your forever home.
How to Get Started (3 steps)
- Apply at your nearest branch.
- Upload documents (ID, income, insurance, and purchase/build details).
- Close and go—sign, fund, and enjoy your new home/vehicle.
What to Bring
- Government-issued ID
- Tax returns (3 years)
- Proof of income (pay stubs or W-2s)
- Current Personal Finance Statement
- Interim business financials, if applicable
- Other documents as requested by your loan officer
Consumer Loan FAQs
Q. What’s the difference between construction and permanent financing?
A. Construction loans fund the build with interest-only payments; permanent financing replaces it at completion with a long-term mortgage. These are separate processes at Chambers Bank.
Q. Can I pre-qualify for a loan?
A. Your lender can work with you to obtain a prequal letter subject to obtaining credit.
Q. Do you finance used vehicles, boats, and RVs?
A. Yes. Terms depend on age, mileage/condition, and collateral value.
Q. How quickly can I close?
A. Timelines vary by loan type. Auto/boat/RV loans can often close quickly once documents are complete; mortgages and construction loans require additional steps like appraisal and title work.
Q. Do you offer automatic payments?
A. Yes. Set up autopay through Digital Banking or at any branch.
Give us a call or find a nearby branch to get started today!
All loans subject to credit approval. Not all applicants will qualify. Terms and conditions apply.