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Personal Loans


Appropriate lending support tailored to your specific needs is an essential element of our full-service relationship banking philosophy. We provide a wide variety of loans to meet your personal financing needs. From lines of credit and asset-based financing, we will structure a custom package specifically to meet your requirements.

We can assure you that your request for a loan will be reviewed by a local Loan Officer. We can guarantee you local service because we are a bank rooted in the community ... we don't have an out of state loan office. And because we have one of the longest tenured staffs in the business, there is an opportunity that you may work with the same Loan Officer for years. This serves as a distinct advantage of working with Mechanics Bank ... We know you, you know us.

We view extending credit, whether it is a credit card, an auto loan, a new home loan or a home equity line of credit as an important responsibility of a community bank. We are proud that for nearly a century we have been helping individuals, families and businesses accomplish their financial goals. Relationship banking is an advantage for you and for us.

The more we work together to meet your financial needs, the better we can serve you by knowing which products and services best fit your needs at any given time.


Personal Loan

Service Description

Auto Loans

We can make the purchase of your next auto easier with pre-approval for qualifying customers.


Credit Cards

You'll find that, feature for feature, Mechanics Bank provides one of the best values in credit card convenience. These benefits make shopping, entertaining, travel and paying bills easy; safe and convenient.


Home Loans / Mortgages

With a variety of home loan products to choose from, we will help you find the one that's right for you. An experienced Mechanics Bank Mortgage Consultant is ready to answer your questions and help you with your home financing request. Call 888.862.6972 and get started today.

Home Equity Line of Credit

If you have a substantial amount of equity in your home, an Home Equity Line of Credit provides you with the optimum amount of convenience.

Home Equity Loans

A Mechanics Bank Home Equity Loan has a fixed repayment term and fixed interest rate.


Secured / Unsecured

For more information on our secured and unsecured personal loans, please contact us at 1-800-797-MECH (6324) or visit one of our office locations.



Equal Housing Lender Equal Housing Lender

NMLS #442116