Bank of the West, a subsidiary of BNP Paribas, is a financial services holding company based in San Francisco, California. The bank has more than 700 branch offices in the Midwest and Western United States. It offers a complete range of personal and commercial banking services and products. The bank also provides great financing options that can help you meet your needs.
Personal Loans and Lines of Credit
Bank of West personal loan or line of credit is a convenient way to get quick access to funds in times of needs. With the help of a personal loan or a line of credit, you can consolidate debt, buy a new or used car, complete home renovation project, or realize your dream holiday. Bank of the West offers unsecured personal loans and lines of credit where you don’t need to provide any type of collateral. Some features and benefits of these unsecured loans and lines of credit are:
- Loan amount as low as $2,000
- Line of Credit amount range from $5,000 to $50,000
- Quick access to credit line by check’
- Fixed or variable rates available
- A 0.25% rate discount by allowing automatic payment from your Bank of West checking account.
Home Equity Loans
Home equity loan is another convenient financing option offered by the bank that you can get by using the equity in your home as collateral. This loan can be used for large purchases, life events, education expenses, or major home improvements. Home equity loan comes with attractive features such as:
- Loans up to $500,000
- No origination fees or closing costs
- 5, 10, 15, or 20 year loan terms available
- Fixed interest rate
- Up to 90% Combines Loan to Value
- A 0.25% rate discount by allowing automatic payment from your Bank of West checking account.
Equity Choice Line of Credit
Bank of West offers equity choice line of credit, which is a revolving line of credit that you can get by using your home’s equity as collateral. This credit line is a convenient way to get instant access to funds whenever you need it. Benefits offered by this line of credit include:
- Lines up to $2,000,000
- 10-year draw period
- No origination fees or closing costs
- Variable interest rate (during the draw period)
- Up to 90% Combined Loan to Value
- A 0.25% rate discount by allowing automatic payment from your Bank of West checking account.
Mortgages
You can make your dream home a reality with a low rate mortgage from Bank of the West. The bank offers a variety of mortgages such as fixed rate mortgages, adjustable rate mortgages, government mortgages, refinance, jumbo mortgage loans, and Home Affordable Refinance Program (HARP).Fixed rate mortgage is an ideal option if you don’t want the interest rate to change over the life of your loan. On the other hand, you can take advantage of the fluctuating interest rates by choosing an adjustable rate mortgage. Compare to fixed rate mortgage, an adjustable rate mortgage may offer lower initial interest rates. A variety of loans and repayment terms are available in both the mortgages.
Auto Loans
If you are looking to purchase a new or a used car or a truck, a low rate auto loan from Bank of West is what you need. The bank offers a minimum auto loan amount of $2,000 up to a maximum of 125% Loan to Value. You will get fixed monthly payment and loan terms are available from 3 to 6 years. You can also get the benefit of 0.25% rate discount when you make automatic payments on your loan from your Bank of West checking account.
Boat and RV Loans
Buying a boat or a recreation vehicle can help you enjoy with your family. If you are thinking to finance a new or a use RV or boat, Bank of West can offer you the loan with fixed monthly payments. You can get a minimum loan amount of $2,000 up to a maximum of 115% Loan to Value for loan terms up to 15 years. Get a 0.25% rate discount by allowing automatic payment from your Bank of West checking account. To apply for any type of loan, you will need your asset information, employment and income history (at least 2 years), debt information, and Social Security or Taxpayer ID Number (TIN).