Personal

Lending

Count on GRB for loans that help you buy a car, pay for college, renovate your home – and so much more!

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Flexible Lending Options Backed By Local Personalized Service

Checking and savings customers secure additional benefits when they take out a personal loan with GRB, including rate reductions, reduced or no closing costs, and unmatched personalized service.

Personal loans can be used to consolidate high-interest debt, cover unexpected expenses, or finance a major purchase. Having a clear understanding of why you need a loan can help ensure you are able to select the best option to use the loan effectively.

Using a personal loan wisely is a strategic financial decision that requires careful planning and consideration. Your GRB Relationship Banker can help you determine the best loan option for you.

Contact the GRB Relationship Banking Team

Current Rates

Personal Loans

Loan Type
Term
Loan Amount
APR*
APR* w/Deposit Relationship**
Loan Type
Personal secured‡
Term
12 – 60 months
Loan Amount
$2,000 – $1,000,000
APR*
Prime + 1.00% (8.75%)
APR* w/Deposit Relationship**
Prime + 0.00% (7.75%)
Loan Type
New automobile secured loan^
Term
12 – 36 months
Loan Amount
$2,000 – $50,000
APR*
8.00%
APR* w/Deposit Relationship**
7.00%
Loan Type
New automobile secured loan^
Term
37 - 48 months
Loan Amount
$2,000 – $50,000
APR*
8.00%
APR* w/Deposit Relationship**
7.00%
Loan Type
New automobile secured loan^
Term
49 - 60 months
Loan Amount
$2,000 – $50,000
APR*
8.00%
APR* w/Deposit Relationship**
7.00%
Loan Type
Used automobile secured loan
Term
12 – 36 months
Loan Amount
$2,000 – $50,000
APR*
8.50%
APR* w/Deposit Relationship**
7.50%
Loan Type
Used automobile secured loan
Term
37 - 48 months
Loan Amount
$2,000 – $50,000
APR*
8.50%
APR* w/Deposit Relationship**
7.50%
Loan Type
Used automobile secured loan
Term
49 - 60 months
Loan Amount
$2,000 – $50,000
APR*
8.50%
APR* w/Deposit Relationship**
7.50%
Loan Type
New boats, campers, and RVs^
Term
12 – 60 months
Loan Amount
$2,000 – $100,000
APR*
9.75%
APR* w/Deposit Relationship**
8.75%
Loan Type
New boats, campers, and RVs^
Term
61 - 72 months
Loan Amount
$2,000 – $100,000
APR*
10.00%
APR* w/Deposit Relationship**
9.00%
Loan Type
New boats, campers, and RVs^
Term
73 - 120 months
Loan Amount
$2,000 – $100,000
APR*
10.25%
APR* w/Deposit Relationship**
9.25%
Loan Type
Used boats, campers, and RVs
Term
12 – 60 months
Loan Amount
$2,000 – $100,000
APR*
10.75%
APR* w/Deposit Relationship**
9.75%
Loan Type
Used boats, campers and RVs
Term
61 - 72 months
Loan Amount
$2,000 – $100,000
APR*
11.00%
APR* w/Deposit Relationship**
10.00%
Loan Type
Used boats, campers and RVs
Term
73 - 120 months
Loan Amount
$2,000 – $100,000
APR*
11.25%
APR* w/Deposit Relationship**
10.25%
Loan Type
Home Improvement unsecured loan
Term
12 – 60 months
Loan Amount
$2,000 – $25,000
APR*
14.00%
APR* w/Deposit Relationship**
13.00%
Loan Type
Personal unsecured
Term
12-36 months
Loan Amount
$2,000 - $69,500
APR*
14.00%
APR* w/Deposit Relationship**
13.00%
Loan Type
Personal unsecured
Term
12 - 36 months
Loan Amount
$69,501 - $250,000
APR*
11.00%
APR* w/Deposit Relationship**
10.00%

* APR = Annual Percentage Rate. Prime = Wall Street Journal Prime Rate, which is 7.75% as of 11/13/2024. The APRs shown are current as of 11/13/2024 and are available to customers who have the credit scores required by GRB. All rates and terms are subject to credit qualification. Rates are subject to change without notice. Examples of monthly payments for various types of loans are as follows: The monthly payment for a new auto loan of $20,000 with an APR of 8.00% repayable over 60 months would be $405.53. The monthly payment for an unsecured personal loan of $10,000 with an APR of 14.00% repayable over 36 months would be $341.78. The monthly payment for a home improvement loan of $10,000 with an APR of 14.00% repayable over 60 months would be $232.68.

** A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

‡ Personal secured loans can be secured with GRB deposits or marketable securities. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis.

^ New vehicles (cars, boats and RVs) are considered those within two years from the current model year or previously unregistered. Additional fees apply for vehicles ($5.00 DMV MV901 filing fee for titled vehicles; $40.00 VCC filing fee for non-titled vehicles).

Current Rates

Personal Lines of Credit

Loan Type
Term
Loan Amount
APR*
APR* w/Deposit Relationship**
Loan Type
Personal Secured‡
Term
3 year draw/3 year term
Loan Amount
$2,000 – $1,000,000
APR*
8.75% (Prime + 1.00%)
APR* w/Deposit Relationship**
7.75% (Prime + 0.00%)
Loan Type
Personal Unsecured^
Term
3 year draw/3 year term
Loan Amount
$2,000 – $69,500
APR*
11.75% (Prime + 4.00%)
APR* w/Deposit Relationship**
10.75% (Prime + 3.00%)
Loan Type
Personal Unsecured^
Term
3 year draw/3 year term
Loan Amount
$69,501 – $250,000
APR*
10.75% (Prime + 3.00%)
APR* w/Deposit Relationship**
9.75% (Prime + 2.00%)
Loan Type
Overdraft Protection
Term
N/A
Loan Amount
$300 – $10,000
APR*
16.00%
APR* w/Deposit Relationship**
16.00%

* APR = Annual Percentage Rate. Prime = Wall Street Journal Prime Rate, which is 7.75% as of 11/13/2024. The APRs shown are current as of 11/13/2024 and are available to customers who have the credit scores required by GRB. All rates and terms are subject to credit qualification. Rates are subject to change without notice.

** A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

‡ Personal secured lines can be secured with GRB deposits or marketable securities. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis. Rate is variable at Wall Street Journal Prime + 1.00%. With a deposit relationship, rate is variable at WSJ Prime + 0.00%. All secured personal lines of credit have floors of 4.00% and ceilings of 15.00%. The WSJ Prime rate is 7.75% as of 11/13/2024.

^ For personal unsecured lines up to $69,500, rate is variable at WSJ Prime + 4.00%. With a deposit relationship, rate is variable at WSJ Prime + 3.00%. For unsecured lines $69,501 or more, rate is variable at WSJ Prime + 3.00%; with a deposit relationship, this rate is variable at WSJ Prime + 2.00%. All unsecured personal lines have a floor of 6.00% and a ceiling of 15.00%. The WSJ Prime rate is 7.75% as of 11/13/2024.

Contact the GRB Banking Team

Use the dropdown below to fill out our ‘Contact Us’ form, and a GRB Relationship Banker will be in touch with additional account information!