Personal Loans

Oregon Coast Bank personal loans come with personal service—because neighbors should help neighbors build better lives.

Auto, motorcycle, & RV loans

We get you moving faster

Put the keys in your hand faster with quick and easy financing

Whether your family’s outgrown your old car or you’re expanding your personal fleet, our vehicle loans get you on the go faster with easy applications and rapid approval. Pre-approval lets you bring an extra edge to negotiations at the dealership. With plenty of options—like competitive fixed or adjustable rates—you’ll find the loan you need to get in the driver’s seat. Have an existing loan? You can refinance it with us to take advantage of our great rates and terms.

Benefits

  • Quick application & approval
  • Pre-approval available
  • Up to 100% financing of your new automobile purchase
  • Competitive rates & terms
Get in touch to apply
Boat loans

Financing for smooth sailing

Get out on the open water—our experts make it easy

Oregon Coast Bank knows boats—and not just because our headquarters overlook Yaquina Bay! Whether you’re shopping for a boat or planning improvements for your vessel, quick closings and pre-approval help you hit the water faster. With multiple payment schedule options and loans amounts, you have the resources you need to stay afloat.

Benefits

  • Up to 100% financing
  • Competitive rates & terms
  • Local expert advice
  • Refinancing available
Get in touch to apply
Personal and consumer loans

Put big-ticket buys within reach

Whatever you need, we’ll customize a loan to fit your life.

There’s more to life than money—and that’s why we’re committed to helping our neighbors live the good life with loans for the things that matter most to you. While many chain banks no longer offer personal loans, we support you with financing for home remodeling, vacations, technology upgrades, debt consolidation, and more. All the benefits of our personalized, flexible approach—quick closing, pre-approval, competitive rates, multiple options for terms and payment schedules—make it easy to get the funds you need for the bigger things in life.

Benefits

  • Up to 100% financing
  • Pre-approval available
  • Loans from $2,500
  • Competitive rates & terms
Get in touch to apply
Personal lines of credit

The financing you need, exactly when you need it

Life can come at you fast. With your own line of credit, you're ready to weather the storms and seize the day.

When an exciting opportunity—or unexpected expense—comes along, we’ve got you covered with rapid access to funds. Unlike other loans, a line of credit gives you pre-approval for credit you can tap into the moment you need it. You pay no interest until you draw on your line; once you do, flexible repayment options and great rates (lower than most credit cards!) make managing your budget easy. Ask us about our options for overdraft protection.

Benefits

  • Financial flexibility
  • Quick access to credit
  • Competitive rates
  • Overdraft protection
Get in touch to apply

Explore our complete range of personal banking services

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COVID-19: What we are doing and our preparedness.  Learn More

Mobile Banking: We are pleased to announce that we will be launching a newly redesigned version of our mobile apps soon. Visually consistent with our online banking, full bill pay integration, and numerous other enhancements!