Do you need financing for an unexpected or large expense? A Personal Unsecured Loan from PB&T provides the capital you need with lower rates and more predictable monthly payments than a credit card. Unlike auto loans and mortgages, unsecured loans offer no collateral to support your promise of repayment. Therefore, your credit and income are the most important factors in unsecured loan approval. Both personal loans and credit cards are unsecured. However, personal loans come with a set term, resulting in predictable monthly payments. You’ll also have a fixed interest rate that won’t fluctuate and is usually lower than most credit card APRs.
Personal unsecured loans can be used for most kinds of short-term expenses. Common uses for personal loans include laptop purchases, moving costs and security deposits, unanticipated medical bills, and consolidation of higher interest debt.
When it comes to choosing a lender, choose a lender with a century of history and financial stability in your community. Here at PB&T, you’re more than a number. We pride ourselves on offering individualized service and customized loans that are as unique as you are. Furthermore, community banks are more likely to lend to customers with less-than-perfect applications based on relationships and character. Call 1-888-728-3550, send us an email or visit one of our locations for more information on our Unsecured Personal Loans and how they can fit into your overall financial needs and goals.
What you need to apply
To apply for an auto loan at PB&T Bank, you must be at least 18 years or older and provide the following documentation:
- Date of Birth
- A Social Security Number or Tax Identification Number
- A U.S. residential street address
- State-issued driver’s license or identification card, passport or military ID
- Verification of Income (pay stubs, W-2s, tax returns, etc.)
- A completed, signed application