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PERSONAL LOANS & LINES OF CREDIT

Do more without breaking the bank.

 

Local loans to help you do what you've been dreaming.

Maybe you've been thinking about getting a new car, going back to school or consolidating your debt. Whatever your personal goal, we can help you find a personal loan to match. We offer a number of options-all featuring competitive rates, flexible terms and local decision making.

Auto, Boat & RV Loans
Get prequalified so you have more negotiating power with your dealer or private seller.

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Classic Reserve Line
Add the convenience and security of a line of credit to your personal checking account.

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Deposit Secured Loans
Use your Heritage CD account balance as collateral for a personal loan.

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Home Equity Loans & Lines of Credit
A convenient and flexible way to tap into the equity of your home.

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Property Loans for Land
Choose a loan to help you purchase a developed piece of property.

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Home Loans
Find solutions from traditional to unconventional mortgages to suit your needs.

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Why choose Heritage for your personal loan?

Right near you

Headquartered right here in Olympia, we keep banking close to home. All lending decisions are made locally.

Custom solutions

Because your goals and values are unique, we offer products and solutions tailored to you.

History of success

There's a reason Heritage is still thriving after 90 years. We offer the depth of knowledge to be competitive in any market-in any era.

 

Our lending criteria.

When determining whether you're a right fit for banking with us, Heritage Bank always employs the five "Cs":

Character
Review your credit history to determine how you handle debt.

Credit
Use credit reporting/scoring agencies to review your payment history.

Cash Flow
Use several methods to calculate your cash flow, which we consider to be the primary source for your loan repayment.

Capacity
Analyze whether you have the capacity to repay the loan in the event of a downturn. We'll look at your ability to convert assets to cash or borrow against those assets.

Collateral
Provide the option of both secured and unsecured loans. Generally, the less you provide for collateral, the higher your interest rate will be.

Get started with your loan today.

In addition to your signed and completed consumer loan application, we'll ask you to provide the following information and documentation:

  • Verification of income, including recent pay stubs or W-2s.
  • If you are self-employed, or if you receive income based on commission, please include copies of your personal and business tax returns from the previous two years plus your most recent year-to-date profit and loss statement.
  • Auto, Boat and RV loans only:
    • For purchases made through a dealer, please provide original purchase order.
    • For purchases made through a private party sale, please provide bill of sale, vehicle ID number, license plate number, and seller's name and address.

Talk with an expert.

Make an appointment with one of our experts today.