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 Lines of Credit
A convenient and flexible way to tap into the equity of your home.
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When is a consumer loan a good choice?
Consumer loans can be used for a variety of purposes, such as consolidating debt, paying for a vacation or purchasing a boat or RV.
Unlike a credit card, which sets a credit limit but has no payoff date per se, consumer loans have set monthly payments and an agreed-upon term of repayment (usually 2–5 years). Consumer loans offer fixed rates that are usually lower than credit cards, making them an ideal option for purchases that may take a few years to repay.
Find the loan that's right for you.
We offer a variety of products for all types of borrowing needs: boat and RV loans, home equity loans, deposit-secured loans and more. Our experts will help you find the perfect fit.
When is a line of credit a good choice?
Lines of credit can be used for a variety of purposes such as home improvement projects, loan consolidation; and more. Only pay interest on the money you actually use.
Classic Reserve Line of Credit.
This line of credit gives you the ability to have funds available when you need them. With it, you can advance funds to your checking account when needed and set up automatic advances as a method of overdraft protection.
Home Equity Line of Credit (HELOC).
A convenient and flexible way to access the equity of your home, this line of credit gives you the freedom to fix a portion (or all) of your outstanding balance at a competitive fixed interest rate. Simply access funds online, by phone or in person at a branch.
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.
Headquartered right here in Olympia, we keep banking close to home. All lending decisions are made locally.
Because your goals and values are unique, we offer products and solutions tailored to you.
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.
In addition to your signed and completed consumer loan application, we'll ask you to provide the following information and documentation: