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PERSONAL LOANS

Personalized Lending. Local Support.

Whether you're managing an unexpected expense, purchasing a vehicle, consolidating debt, or simply looking for added financial flexibility, we're here to help.

At Central Penn Bank & Trust, you'll find lending solutions tailored to your needs, backed by local decision-making and a team committed to helping you move forward with confidence.

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Flexible Solutions

Personal Loans

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Personal Loans

For planned purchases, unexpected expenses, or life's bigger moments.

Whether you're consolidating debt, making home improvements, covering medical expenses, or funding a major purchase, a personal loan offers predictable payments and a clear path forward.

Features

  • Fixed interest rate
  • Consistent monthly payments
  • Terms up to 7 years
  • Collateral may not be required
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Personal Line of Credit

Flexible funds when you need them.

A line of credit gives you ongoing access to available funds, allowing you to borrow what you need and repay on your schedule.

Features

  • Credit lines from $2,000 to $10,000
  • Borrow only what you need
  • Revolving access to funds
  • Convenient online and telephone access
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Auto Loans

Get behind the wheel with confidence.

Whether you're purchasing your first vehicle, upgrading your current ride, or replacing a family vehicle, our team can help you find financing that fits your needs and budget.

Benefits

  • New and used vehicle financing
  • Up to 100% financing available for qualified borrowers¹
  • Flexible repayment options
  • Personalized guidance from local lenders

Frequently Asked Questions

What can a personal loan be used for?

Personal loans can be used for a wide variety of reasons, including home improvements, debt consolidation, medical expenses, major purchases, vacations, and unexpected costs.

What is the difference between a personal loan and a line of credit?

A personal loan provides a lump sum with fixed monthly payments. A line of credit allows you to borrow funds as needed up to your approved limit.

Do I need collateral for a personal loan?

Collateral may not be required, depending on the loan type and your financial circumstances.

Can I finance a vehicle through Central Penn Bank & Trust?

Yes. We offer financing options for new and used vehicles. Our lenders can help you explore available options and determine what works best for your needs.

Borrow with confidence from people you know.

Whether you're planning a major purchase, covering an unexpected expense, or looking for extra financial flexibility, our lenders are ready to help. With personalized service, local decision-making, and financing solutions tailored to your goals, we're here to help you move forward with confidence.

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Important Information

*Terms and conditions are subject to overall credit qualifications.Products may not be available for your situation.