Contact Us    Locations    01/05/2009

Credit For Every Need

We can assure you that your request for a loan will be reviewed by a local Loan Officer. We can guarantee you local service because we are a bank rooted in the community ... we don't have an out of state loan office. And because we have one of the longest tenured staffs in the business, there is an opportunity that you may work with the same Loan Officer for years. This serves as a distinct advantage of working with The Mechanics Bank ... We know you, you know us.

We view extending credit, whether it is a credit card, an auto loan, a new home loan or a home equity line of credit as an important responsibility of a community bank. We are proud that for nearly a century we have been helping individuals, families and businesses accomplish their financial goals. Relationship banking is an advantage for you and for us.
The more we work together to meet your financial needs, the better we can serve you by knowing which products and services best fit your needs at any given time.

Credit Cards - we offer a complete selection of credit services through Visa, including:

• Platinum Visa Rewards cards that include cash rebates, points towards merchandise
  and travel rewards, and special cards for college students.
• Visa Zero Liability, Identity Theft and Fraud Protection, Verified by Visa, Privacy Pledge
• Guaranteed superior service

Click Here to Apply Online

For additional information or assistance with credit cards,
please call 1- 800-797 MECH (6324) or visit one of our branch offices.

Equity Edge Line of Credit - If you have a substantial amount of equity in your home, an Equity Edge Line of Credit provides you with the optimum amount of convenience. With an Equity Edge Line of Credit you do not have to reapply or request approval to access your line ... just write a check from your equity Edge Checking Account for the amount that you need. You may qualify for an Equity Edge Line of Credit in the amount of $10,000- $500,000 with your lendable equity at 80% of your home's appraised value minus your mortgage balance.

Home Equity Loan - A Mechanics Bank Home Equity Loan has a fixed repayment term and fixed interest rate. The advantage to the loan is that you receive your loan amount in one lump sum and you know exactly how much your monthly payment is and the exact length of the repayment term. In most instances, homeowners select a Home Equity Loan to meet a specific borrowing need such as home remodeling, college tuition or to purchase an auto. You may qualify for an Equity Edge Line of Credit in the amount of $10,000- $500,000 with your lendable equity at 80% of your home's appraised value minus your mortgage balance.

Personal Loans - both secured and unsecured personal loans.

Auto Loans - we can make the purchase of your next auto easier with pre-approval for qualifying customers.

Boat and Recreational Vehicle Loans - we strive to make your recreational vehicle fantasy come true with loan approval within 24 hours.

Free! Priority Home Loan Pre-Qualification - CLICK HERE TO APPLY - Priority Home Loan Pre-Qualification is the best way to make shopping for a new home as pleasurable as possible. In today's tight home market, pre-qualifying is almost a "must". By knowing up-front how much home you are capable of buying, you can focus your search in the areas that you can afford and be first to bid on the home of your choice. We treat your Pre-Qualification Application with a real sense of urgency. We will notify you by phone and a Loan Officer will send you and/or your realtor a Pre-Qualification letter. The letter can be used when making an offer on the home of your dreams.

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