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Personal Lending


Financing Your Dreams and Goals


Planning a fun vacation? Need to update your ride? Finance your goals with a personal loan from PCB. Our Quilo Personal Loan offerings are easy to apply for and tailored to meet your diverse needs, ensuring you have the financial support to bring your plans to life.

Need a Quick Loan? Start with Quilo!

With Quilo – powered by PCB, getting a personal loan has never been easier. Experience a streamlined process that gets you approved in minutes without impacting your credit score. PCB's Quilo loan can answer your immediate financial needs, offering:
  • Unexpected Expense Coverage: Don't let sudden costs derail your budget.
  • Credit Card Debt Management: Pay down high interest rates with ease.
  • Checking Account Replenishment: Manage your purchases confidently.
  • And More! Whatever your need, PCB's Personal Loan is here to support you.

Why Choose PCB for Your Personal Loan?

When you need a fast loan with simple terms, our Quilo Personal Loan can offer:
  • Speed and Convenience: Get approved online quickly with Quilo, making your loan journey smooth and hassle-free.
  • Flexibility: Tailored options to fit your specific financial situation and goals.
  • Competitive Rates: Enjoy attractive interest rates that work in your favor.
  • Community Trust: Leverage the reliability and integrity of a bank deeply rooted in your community.

Ready to start your loan journey?

Your next step toward financial freedom is right around the corner. Connect with PCB, and let's explore how our Personal Loan solutions can be the key to achieving your dreams.

Additional Lending Solutions

With competitive rates, plus flexible repayment terms, you can get the loan that is perfectly suited to meet your needs. 

  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Personal projects or startups
    • Credit card debt
    • And much more!
  • Repayment terms customized to fit your unique needs
  • Quick decisions made locally
  • Friendly, attentive service from our local lending team

For secured loan options, please talk with a member of our team or more information can be found across our website. 


















FAQs

Quilo – powered by PCB offers a streamlined online loan application process that allows you to get approved quickly, often within minutes, without impacting your credit score.
PCB Personal Loans offer competitive interest rates, flexible repayment terms, and quick approval processes. Plus, you're working with a trusted local bank committed to serving the community's needs.
Yes, one of the common uses of our Quilo Loans and other personal loans is to pay down high-interest credit card debt, helping you manage your finances more effectively.
The loan amount varies based on your individual circumstances. We recommend contacting a PCB representative to discuss your specific needs and borrowing capacity.
Choose to have your funds deposited directly into your PCB account immediately—within minutes of application approval for many loans—or wait to use the funds till you need them. 





The following disclosures are made in accordance with Google’s Advertising Policies.

Loan amounts between $250 and $20,000 depending on credit criteria. APRs starting at 10.58% and will not exceed 18.00%. APRs will vary based on state laws and regulations regarding allowable interest rates, fees, and lengths of loan terms. Your credit history at the time of application, income, debt obligations, and to the extent applicable, prior loan experience with PCB will be considered in determining eligibility and contract terms. Repayment periods, based on contract terms, credit application/credit report, and the amount of money borrowed, will be set within a range of 90 days (minimum) to 60 months (maximum). The borrower can elect to begin repayment as early as 1 day, with no prepayment penalties. Closing your loan is contingent upon your agreement to all terms and conditions of the loan agreement. There are no processing fees or minimum interest requirements.

All loans are subject to credit approval and normal underwriting standards. Minimum and maximum loan amounts, rates, fees, and terms are subject to specific guidelines and may change without notice. All loans are made by PCB. See bottom of page for examples. 
The following disclosures are made in accordance with Google’s Advertising Policies.

APR’s starting at 14.64% and will not exceed 18.00%. APRs will vary based on state laws and regulations regarding allowable interest rates, fees, and lengths of loan terms. Your credit history at the time of application, income, debt obligations, and to the extent applicable, prior loan experience with PCB will be considered in determining eligibility and contract terms. Repayment periods, based on contract terms, credit application/credit report, and the amount of money borrowed, will be set to a maximum of 60 months. There are no down payments, and the borrower can elect to begin repayment as early as 1 day, with no prepayment penalties. Closing your loan is contingent upon your agreement to all terms and conditions of the loan agreement.
All loans are subject to credit approval and normal underwriting standards. Minimum and maximum loan amounts, rates, fees, and terms are subject to specific guidelines and may change without notice. All loans are made by PCB. Available loan amounts may vary.

Loans may include a processing fee of up to $149 and/or a minimum interest charge of $7.50.
Quilo and In House Personal Lending Examples:

Using a 12-month installment contract, a loan of $1,000 with an interest rate of 16.19% and an APR of 16.28%, you would make 11 monthly payments of $90.86 and one final payment of $90.91. No pre-payment penalty – pay off as early as 1 day, or in this example above, over 12 months.

Using a 48-month installment contract, a loan of $5,000 with an interest rate of 16.09% and an APR of 16.13%, you would make 47 payments of $142.04 and one final payment of $141.95.