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© 2004
National Bank of Arizona
Privacy
Statement
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Answers to Frequently Asked Questions:
What is the difference between a personal installment loan and a personal line of credit?
A personal installment loan is ideal when you know how much money you need upfront and you don’t anticipate needing additional financing in the near future. With a personal installment loan, you receive the entire loan amount upfront.
A personal line of credit is ideal when you are not sure how much you need or when you will need it. With a personal line of credit, you borrow only the funds you need at the time you need them without having to reapply during the term of the line of credit.
Your loan amount is determined based on your income and ability to repay. The minimum loan amount is $1,000.
Do I have to pledge any collateral?
Personal installment loans may be secured or unsecured.
You will make monthly principal and interest payments. The minimum term available is 12 months and the maximum term available is 36 months for unsecured loans. The minimum term available is 3 months and the maximum term available is 60 months for secured loans.
Is there a prepayment or early closure fee?
No.