July 5

Nevada State Bank Personal Loans – Secured & Unsecured Loans, Prime Credit Line


A Nevada State Bank Personal Loan or Signature Loan is an ideal option to meet all types of personal needs, other than buying a home or a car. The bank offers both secured and unsecured loans and you can speak with a loan specialist of the bank regarding the best available options. Whether you need extra cash to pay down high interest debts or plan a family vacation, get a low rate loan that suits your needs and repay it on time.

Savings and CD Secured Loans

Nevada State Bank offers a complete range of secured and unsecured personal loan terms at competitive interest rates and flexible terms. With a secured personal loan, you can borrow money by placing your existing Nevada State Bank savings account or Certificate of Deposit as collateral. It is simply borrowing against your money in the bank. You can borrow a minimum loan amount of $1,000, and you will get a fixed APR of 3.00% over deposit rate. The loan term will be the maturity date of your deposit account. 

Unsecured Loans

The bank offers unsecured loans that allow you to borrow funds without offering any collateral. Your loan amount will be based on your income status and your ability to make timely repayment. The only drawback is that the interest rate may be a little higher with this loan as you are not providing any collateral. The following table will let you get a better understanding of the available loan terms and their corresponding APR and monthly sample payments.

Loan Amount Fixed APR Range Sample Monthly Payment

(Per $1,000 borrowed)

$1,000 – $4,999.99 12.45% – 20.46% $33.43 for 36 months (Based on 12.45% APR)
$5,000 – $9,999.99 11.10% – 17.47% $32.79 for 36 months (Based on 11.10% APR)
$10,000 + 10.09% – 17.11% $32.31 for 36 months (Based on 10.09% APR)

Prime Credit Line

This is an unsecured revolving line of credit from Nevada State Bank that allows you to enjoy fast access to funds whenever you need it. You can use the funds to consolidate multiple debts, make major purchase or pay education expenses. This credit line comes with attractive interest rates and fast access to cash via checks or withdrawal in person at any Nevada State Bank branch. You must reside in Nevada to enjoy the advantage of the consumer loans from the bank. Moreover, credit approval is required for all types of loans offered by the bank.

Equity Access Loans

Nevada State Bank offers Equity Access Loan that comes with the tax benefits of a home equity line of credit. It offers fixed credit line instead of a revolving line of credit. Unlock your home’s equity to get some extra cash for a number of expenses. Attractive features of an equity access loan from the bank include:

  • Flexible repayment terms
  • Competitive interest rates
  • Potential tax benefits

With assets of over $4.1 billion, Nevada State Bank is the largest and oldest state chartered commercial bank in Nevada. It was founded in Las Vegas in 1959 and now it has more than 50 branch locations in over 20 communities across Nevada. The bank has more than 800 employees and it offers a full range of consumer, business and private banking products and services.


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