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Personal Loans & Lines

A loan for when you need it

Personal loans are available for a variety of purposes, such as special occasions, or even debt consolidation.

Our American Cash Advance Line of Credit is a great source of cash that's available when you need it and can be accessed by simply writing a special line of credit check.  This line can also be used as overdraft protection for an American Bank checking account if you have applied and been approved for this type of loan. 

Some of the features of Personal Loans include:

  • Competitive interest rates
  • Simple interest

When you open an American Cash Advance Line of Credit, you can take advantage of these great features:

  • Fast approval
  • No annual fee
American Cash Advance Line of CreditAnnual Percentage Rates (APR) current as of November 28, 2022
Type APR Monthly Payment per $1,000 based on initial interest rate
Prime + 5.00% (w/auto payment) 12.00% $37.64
Prime + 5.50% (w/o auto payment) 12.50% $38.05
  • Minimum Loan Amount: $500
  • No application fees
  • No documentation fees
  • This line of credit can be used as overdraft protection for an American Bank checking account if you have applied, been approved for, and requested overdraft protection
  • This line of credit can also be accessed by writing a special line of credit check
  • The APR may vary daily based upon the Wall Street Journal Prime, which is currently 7.00%
  • Payments are based on 1/36th of the outstanding principal plus interest and credit insurance (if applicable)
  • Maximum APR is 18.00%
  • Rates, terms and conditions are subject to change at any time and may be withdrawn without notice
  • Application is subject to credit approval
Unsecured LoanAnnual Percentage Rates (APR) current as of November 28, 2022
Term APR Monthly Payment per $1,000
60 Months 9.99% $21.25
  • Minimum loan amount: $1,000 
  • Maximum loan amount: $25,000
  • Terms available from 12 to 60 months
  • APRs include a .50% reduction for automatic payments directly debited from an American Bank checking account
  • Rates, terms, and conditions are subject to change at any time and may be withdrawn without notice
  • Application is subject to credit approval

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