Lean on us.
Whether it’s a chance of a lifetime or an unexpected expense, we’re ready to lend a hand and make anything possible. And affordable.
Line of Credit
Borrow up to $25,000 for any reason (even for overdraft protection on your CoastHills checking), and don’t pay a thing unless you use it. It’s a great way to be ready for anything life throws your way. And with a low, fixed rate, you won’t be hit with unexpected rate hikes. This makes it a cost-effective way to consolidate debt and pay off high interest credit. Get ready to start checking off your “to do” list.
emPowerSBC Home Upgrade Loans
If you want to upgrade your home, but can't afford the upfront costs, CoastHills and the Counties of Santa Barbara and San Luis Obispo want to help. emPowerSBC provides a low cost financing option to empower residents to upgrade their property through energy efficiency, water efficiency or renewable improvements. These improvements can save money, enhance your property, create local jobs and, of course, help the environment... a win-win for you and the community. Click here for more information.
Looking to pay for an uncovered medical or dental expense? OnSpot Financing is just what the doctor ordered. With an easy application, low fixed rates (usually much lower than other lenders), and zero hidden fees, you’ll be happy and healthy in no time.
Yes, we want your autograph! With just your signature (and of course a credit check), you’ll be able to borrow between $500 to $40,000. The minimum payments can be as low as $25, which makes them convenient and affordable. We offer fixed and variable rate signature loans.
Share & Certificate Secured Loan
If you have money in a CoastHills savings account or certificate, you have access to a pretty special loan that let’s you borrow at a low rate—only 2% above the dividend rate. It’s a great way to make your money work for you.
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