Personal Loans

We all have different needs. That's why Hopewell Valley Community Bank provides a full range of personal loans with flexible terms and competitive rates. Our loans offer convenience and fast, friendly service from knowledgeable professionals. HVC Bank has a loan that is right for you.

Consider an installment loan to finance a new car, go on a dream vacation or indulge yourself with a luxury purchase by taking out a secured or unsecured installment loan. 

What options and advantages do our installment loans offer? 

• A Hopewell Valley Community Bank installment loan can offer you a structured loan to be paid back in a specified time.
• Your loan term can be for a few months or a few years.
• You can select either a fixed or variable rate.
• Obtain competitive rates that reward your strong payment history.
• Since all Hopewell Valley Community Bank Installment Loans are simple interest loans, you pay interest only on the outstanding balance. You can also control your interest amount if you choose to repay early.
• We’ll give you ½% off your consumer loan rate with automatic payment deduction from your Hopewell Valley Community Bank Freedom Checking account.

Auto Loans
Financing for the vehicle that you need - anything on four wheels. Affordable payments and extended terms for RVs. It’s quick and easy to get the new or used vehicle that you’ve had your eye on. We have financing for new current year models and vehicles up to five years old.

Unsecured Loans
A Hopewell Valley Community Bank fixed rate loan is the ideal way to finance a one-time expense and give you the benefit of a fixed monthly payment. Plus there are no fees. The minimum loan size on these loans is $500. The interest rate is fixed, and the term is up to three years. Once you’re approved, we’ll deposit the cash right into your HVC Bank checking account.

Overdraft Protection Revolving Line of Credit
Save yourself the worry of bouncing a check or encountering unexpected expenses with the safety net of overdraft protection on your Hopewell Valley Community Bank checking account. This line of credit is activated only when your checking account balance falls below zero. Funds will be transferred from your overdraft protection account into your checking account in increments of $100. There is no charge for the transfer other than the finance charges on your outstanding balance. You will be billed monthly when you carry a balance on your overdraft protection account. Receive overdraft protection on your checks, ATM withdrawals and VISA Check Card purchases. You eliminate the fee for each check that would otherwise have been returned. Advances can be made to the extent of available credit.

Repayment Options
All of our loans offer the opportunity to make your loan payments easily in three convenient ways:

• By coupon book 
• Through our convenient bill pay service
• Via automatic deduction from your Hopewell Valley Community Bank checking account (an option that offers a ½% interest-rate reduction) with automatic payments from your Hopewell Valley Community Bank NOW Checking account. No loan coupons to worry about and avoid late charges as payments are always made on time.
  You can decide how quickly you want to repay your loan and how much you want to pay each month

Lending programs, including rates and terms, are subject to change without notice.

Hopewell Valley Community Bank makes loans without regard to race, color, religion, national origin, sex or marital status, or age (provided the applicant has the capacity to contract).

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