Personal Loans & Lines

Borrow with ease and convenience.

Personal Term Loan

A personal term loan allows you to borrow a specific amount of money that you can use for a variety of reasons and pay it back through regular monthly payments. These loans can also be a good tool for building credit if you make your payments on time.

• Fixed-rate, term, and fixed monthly payment for the life of the loan
• Secured or unsecured with no collateral required
• Alternative to credit cards by giving you a predictable and fixed repayment plan
• No penalty for repayment of the loan at any time
• Simple online application and funding process

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Personal Line of Credit

A personal line of credit is a variable rate loan that provides you access to funds whenever you need it up to an approved credit limit.

• Access to funds with interest-only payment options
• Provide overdraft protection for your checking account
• Consolidate smaller loans or pay off higher rate credit card balances
• Often require no collateral to secure the line of credit

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Fresh Start Loan Program

The Horizon Bank Fresh Start Loan Program is perfect for you if you're ready to get your credit history back on track or start establishing credit.

• Loan amounts are directly transferred into a Certificate of Deposit for secure payment, helping you establish credit and potentially improve your credit profile.
• Certificate of Deposit Funds available as soon as the loan is paid off
• Your income is verified, but your credit score will not be considered for underwriting¹
• Loan advances available from $1,000 to $10,000

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Starter Overdraft Program

The Horizon Bank Starter Overdraft Program is for those customers who are looking to establish a credit history as well as protect their checking accounts.

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