Personal Loans
Your personal loan solution is closer than you think.
With competitive rates, available automatic payments and outstanding customer service, a personal loan from Guaranty Bank & Trust could be the smart answer for your goals in life. Perhaps you've had some unexpected expenses lately -- an unexpected medical bill or car repairs. Personal loans also can help you pay for these expenses over time, typically at a lower interest rate than you'd incur by using your credit card.
Auto Loans
Whether purchasing from a private party or your favorite dealer, drive a smart financial solution with a competitive-rate loan for a new or used.
Recreational Vehicles
Whether you’re dreaming of hitting the open road or boating the local waters, we can help turn those dreams into reality.
Home Equity Lines of Credit
Put the power of the equity that is already under your roof to work for you with a Home Equity Line of Credit. The resources are there when you need them, and you don't make payments until you borrow the money.
Questions about how to get started? Find Your nearest Guaranty location today to get started!
Credit Builder Loan Program*
Need a little help improving your credit profile? Our Credit Builder Loan Program is designed to give those with poor or limited credit the opportunity to establish or re-establish credit while simultaneously building equity in a deposit account.
Who Should Apply
Credit Builder is designed for anyone who wants or needs to establish good credit. You must be at least 18 years old to apply.
How it Works
1. The bank makes a loan to the individual in an amount ranging from $500-$2,000 in a term ranging from 24-36 months.**
2. Loan proceeds are deposited in a savings account under the borrower's name and available to the borrower upon full repayment of the loan. This means you are building credit and saving for the future at the same time.
3. Payments to the loan are made monthly and are set up to fit your budget.
Financial Foundations
Want to do even more to become financially savvy?
Financial Foundations is a free online education series provided by Guaranty Bank & Trust that covers key concepts that can help manage your financial future.
*Results are not guaranteed. Improvement in credit score is dependent on multiple factors specific to your financial behavior. For example, late payments on other financial obligations may negatively influence your credit score, even if your payments on a Credit Builder Loan are current.
**A $500 loan with an APR of 9.99% for 24 months has a monthly payment of $23.07 total payments of $553.68 over the 24-month term.