If you are thinking of borrowing money, think State Central Bank. Our experienced loan officers would welcome the opportunity to sit down with you and discuss how we can satisfy your financing needs.

Installment Loans-Secured and unsecured loans for virtually any purpose
· Quick response to loan applications -- saving you time and money
· Competitive interest rates with flexible payment terms
· Make payment directly from your from checking or savings account
· Get assistance with "big ticket" purchase decisions.
Installment Loan Application

Home Mortgage Loans-Great rates and cost-saving service
· Various in-house programs available
· Low closing costs
· Deal with local people, payments made to local bank
· Quick response to loan applications -- saving you time and money
Home Mortgage Loan Application

Home Improvement Equity Loans-Let the equity in your home help you fund home improvements or help with big expenses like a car, boat, trailer or college education.
· Borrow up to 80% of the value of your home
· Competitive rates with monthly payment terms arranged
· Low closing fees
· Loan approval at local bank
· Payments and payment schedule tailored to meet individual needs
· Interest, in most circumstances, may be tax deductible.
· Make payment directly from your from checking or savings account
Home Improvement/Equity Loan Application

Secondary Market Mortgage Loan-A long-term fixed rate loan (sold on the secondary market)
· Offers many competitive loan options, including adjustable rates
· As little as 0% down to qualified buyers
· Various down-payment options
· Monthly payments that can include taxes and insurance
· Affordability programs available, including first-time home buyers
· 100% VA financing available
Secondary Market Mortgage Loan Application

State Central Bank also offers the following loan options:
· Refinance Mortgages
· Home Equity Line of Credit
· Second Mortgage or Vacation Homes
· Mobile Home Financing
· Construction Loans
· Secured Loans
· First Home Buyers
· Veteran's Administrative
· Debt Consolidation

For more information on any one of State Central Bank's loans, please contact a loan officer at your nearest State Central Bank.

Visa / Mastercard Account
Having a State Central Bank MasterCard and Visa credit card not only offers you the convenience of instant credit, but can also, with responsible use, help you achieve a higher rating on your credit score!

Visa / MasterCard-Accepted world wide and offers benefits that you may not have considered:
· No annual fee
· $150,000 worldwide travel/accident insurance at no cost to the cardholder
· Make your monthly payments at any State Central Bank location or by mail
· Credit line decisions are made locally--by people who know you
· Questions are handled locally by State Central Bank personnel