Consumer Loan Products

ESB Bank offers the following Consumer Loan Products:

• Home Equity Fixed
• Home Equity Line of Credit
• Personal Loan (Secured w/Real Estate)
• Personal Loan (Secured w/Other Collateral)
• Personal Loan (Unsecured)
• Personal Line of Credit (Unsecured)
• Overdraft Protection
• Automobile Loans
• Student Loans
• Share Loans

Contact your ESB Bank Consumer Loan Specialist today
to find the loan that is right for you.

Home Equity Fixed (PA Properties Only) return to top

Let the valuable equity in your home work for you. We offer home equity loans to cover home improvements, education expenses, consolidation of debts, major purchases such as a new car or even that long needed vacation. With an ESB Home Equity Loan you get low, competitive rates, attractive terms, fast turn around times, and your interest may be tax deductible.

Home Equity Line of Credit (PA Properties Only) return to top

An ESB Home Equity Line of Credit gives you the flexibility to borrow the specific amount you need. Once your line is established, you pay nothing until you choose to borrow by simply writing a check. As your loan is repaid, your line of availability is restored, and your interest may be tax deductible.

Personal Loan (Secured w/Real Estate)(PA Properties Only) return to top

Our secured personal loans offer competitive fixed rates and terms. The most common type of collateral is vacant land currently owned by the borrower. The money can be used for any legitimate purpose i.e. bill consolidation, vacation, medical expenses, repairs and education to name a few.

Personal Loan (Secured w/Other Collateral) return to top

Our secured personal loans offer competitive fixed rates and terms. Common types of collateral are boats, motorcycles or any titled vehicle for purchase or refinance. Used automobiles seven and eight years old would fall into this category. The money can be used for any legitimate purpose i.e. bill consolidation, vacation, medical expenses, repairs and education to name a few.

Personal Loan (Unsecured) return to top

In some cases it is necessary to borrower on an unsecured basis. This loan category is reserved for well qualified customers with excellent credit.

Personal Line of Credit (Unsecured) return to top

With a Personal Line of Credit you may never have to apply for another loan. A line of credit gives you the flexibility of having funds available whenever you need them. After your loan is approved you may write checks up to your pre-approved credit limit. This loan category is reserved for well qualified customers with excellent credit.

Overdraft Protection return to top

Overdraft Protection can save you unneeded anxiety and embarrassment. The cost of overdrawing your account can be a thing of the past with an Overdraft Protection Loan from ESB Bank.

Automobile Loans return to top

Shop for the vehicle of your choice then stop in any of our conveniently located offices and apply for an ESB Bank Auto Loan. ESB Bank offers low rates and financing on new and used vehicles. Comparison shopping makes ESB Bank the choice no matter what vehicle you want to drive home.

Student Loans return to top

ESB Bank offers both of the available government-sponsored loan programs:

• The Stafford Loan (Subsidized or Unsubsidized) for undergraduate and graduate studies.
  
• The Parent Loan for Undergraduate Students (PLUS Loan).

Both programs follow federal and state guidelines with low interest rates and fees.

Share Loans return to top

Why cash your ESB Certificate of Deposit prior to maturity and take a penalty? Borrow up to 90% of the face value at a very low rate by simply pledging your certificate.