Autos & Personal
Auto Loans
Are you looking to purchase a new car, a used classic or a recreational vehicle? West Milton State Bank has financing options for you. We can have you on the road in no time.
Rates are effective as of May 29, 2013.
New Auto & Recreational Vehicle
Based on a $10,000 loan
(2013 or previously untitled 2012)
| TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE | PAYMENT/$1,000.00 |
| 36 months | 6.75% | 7.083% | $31.00 |
| 48 months | 6.75% | 7.008% | $24.02 |
| 60 months | 7.00% | 7.212% | $19.96 |
| 72 months | 7.25% | 7.430% | $17.31 |
| 84 months | 7.50% | 7.659% | $15.44 |
*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.
Used Auto and Recreational Vehicle
Based on a $10,000 loan
| MODEL YEAR | TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE | PAYMENT/$1,000.00 |
| 2012 | 36 Months | 7.75% | 8.087% | $31.48 |
| 2012 | 48 Months | 7.75% | 8.009% | $24.49 |
| 2012 | 60 Months | 8.00% | 8.214% | $20.44 |
| 2011-2010 | 36 Months | 8.00% | 8.337% | $31.59 |
| 2011-2010 | 48 Months | 8.00% | 8.260% | $24.61 |
| 2011-2010 | 60 Months | 8.25% | 8.465% | $20.57 |
| 2009-2007 | 36 Months | 8.75% | 9.088% | $31.95 |
| 2009-2007 | 48 Months | 12.25% | 12.521% | $26.72 |
*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.
Unsecured Personal Loans
At West Milton State Bank, we make it possible for you to plan a vacation, make home improvements, consolidate credit card debt, or meet your personal needs. Your personal loan is based on income, credit history, and your ability to meet current credit obligations.
Rates are effective as of May 29, 2013.
Unsecured Personal Loan
| AMOUNT | TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE | PAYMENT/$1,000.00 |
| $2,000 | 24 Months | 14.75% | 17.200% | $9.97 |
| $10,000 | 60 Months | 12.25% | 12.474% | $22.59 |
*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.
Personal Lines of Credit Options
A Personal Line of Credit is an unsecured line of credit you can draw on as needed. Depending on your needs, we have three options to choose from, Eagle Express Line of Credit, Professional Prime Line of Credit and Personal Line of Credit. It allows you to access funds when you need them and repay them on your schedule. It’s easy to track and make payments with West Milton State Bank’s Online Banking.
Eagle Express Line of Credit
- Convenient
- Flexible – draw and repay funds as needed
- Variable interest rate
- Automatic payment option available
- Minimum credit score of 700 required
- Credit life insurance available
Professional Prime Unsecured Line of Credit
Our Prime Unsecured Line of Credit is designed for individuals with frequent or larger lending needs.
Convenient- Flexible – draw and repay funds as needed
- Rate as low as Prime, Currently 3.25% APR1
- Automatic payment option available
- Minimum credit score of 750 required
- Credit life insurance available
Contact Us to discuss options or to begin your application process today.
- Call us Toll Free at 877-318-6145
- Email Us
- Visit a conveniently located branch
1Variable interest rate based on Wall Street Journal Prime Rate
Personal Line of Credit
- Convenient
- Flexible – draw and repay funds as needed
- Variable interest rate
- Automatic payment option available
- Minimum credit score of 725 required
- Credit life insurance available
