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Solid Values. Stronger Banking.

Find the Perfect Loan or Credit Solution

Competitive rates, flexible terms, and personalized service to help you achieve your financial goals.

Calculate Your Payment Explore Loan Options
Loan options illustration

Personal Loans

From 5.99% APR

Mortgages

Rates from 6.25% APR

Auto Loans

As low as 4.99% APR

Credit Cards

0% intro APR offers

Business Loans

Flexible financing

Loan Payment Calculator

Estimate your monthly payments and see how much you could borrow

$
$1K $1M
%
1% 30%
months
6m 30y

Estimated Payment

$489.15
Total Interest $4,349.00
Total Cost $29,349.00
Loan Type Personal Loan
Principal
Interest
Apply Now Save Calculation

Our Loan & Credit Options

Find the right financing solution for your needs

Standard Personal Loan

5.99%
Fixed APR
  • $5,000 - $100,000
  • 12-84 month terms
  • No prepayment penalties
  • Funds as soon as next business day
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Best Value

Preferred Personal Loan

4.99%
Fixed APR
  • $10,000 - $250,000
  • 12-120 month terms
  • Relationship discount available
  • Dedicated loan specialist
Apply Now Learn More

Medical Financing

6.49%
Fixed APR
  • $1,000 - $50,000
  • 6-60 month terms
  • Special rates for healthcare
  • No fees for approved providers
Apply Now Learn More

30-Year Fixed Mortgage

6.25%
Fixed APR
  • Up to $2.5M loan amount
  • 15-30 year terms
  • Low down payment options
  • Rate lock available
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Popular

Refinance Mortgage

5.99%
Fixed APR
  • Lower your monthly payment
  • Cash-out options available
  • Rate and term refinancing
  • Fast online application
Apply Now Learn More

VA/FHA Loans

5.75%
Fixed APR
  • Low or no down payment
  • Flexible credit requirements
  • Government-backed options
  • Special benefits for veterans
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Simple Application Process

Get approved quickly with our streamlined application

1

Check Your Rate

Get pre-qualified in minutes without affecting your credit score

2

Submit Application

Complete our secure online application in about 10 minutes

3

Get Approved

Receive a decision as soon as the same business day

4

Receive Funds

Get your money as soon as the next business day after approval

What Our Customers Say

Hear from people who've used our loan services

"I was able to consolidate my high-interest credit cards with a Sterra Bank personal loan at half the interest rate. The process was so easy and saved me thousands!"

SM

Sarah Mitchell

Personal Loan Customer

"The mortgage team at Sterra Bank made buying our first home a breeze. They explained everything clearly and got us a great rate despite our limited credit history."

AJ

Antonio Jamerez

Mortgage Customer

Ready to Apply for Your Loan?

Get started today and receive a decision as soon as the same business day

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