Consumer Lending Solutions

Ponce De Leon Federal Bank offers a variety of Consumer and Home Financing options to help make your plans a reality.

Consumer Loans

Whether you are seeking to consolidate high-interest rate balances, fund a special purchase or cover a major expense, a Ponce De Leon Federal Bank personal consumer loan is a great financing option that makes it easy for you to put your financial plan into action.

Benefits of a Ponce De Leon Federal Bank Personal Consumer Loan
  • Easy application process
  • Competitive rates
  • Fixed rate, fixed term, and fixed monthly payments
  • No origination or prepayment fees
  • Flexible repayment schedules ranging from I to 5 years
  • Quick credit decision

Passbook Secured Consumer Loans

If you are an existing customer, you can use the balance in your savings account to secure a personal loan. The interest is usually lower than an unsecured loan, and the funds in your savings account will continue to earn interest.

Unsecured Consumer Loans

Ponce De Leon Federal Bank also provides unsecured personal consumer loans to qualified applicants.

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs.

Residential Mortgage Loans

1-4 Family Primary Residence

Whether you’re dreaming of buying your first home or seeking to tap into the equity you have grown in your existing home, Ponce De Leon Federal Bank is ready to work with you in order to help you attain your goals. Our experienced staff is available to answer any questions and process your mortgage application in an efficient and timely manner.

Benefits of a Ponce De Leon Federal Bank Residential Mortgage Loan
  • Our loans are tailored to the applicant’s situation and needs – not the cookie cutter approach
  • Easy application process
  • Reasonable origination fees
  • Flexible repayment schedules ranging up 30 years
  • Quick credit decisions that are all made locally

Mortgage Loans

Adjustable rate mortgage loans are available to qualified applicants to assist in the purchase or refinance of a 1-4 family, owner-occupied dwelling (including condominium and co-op units).

Home Equity Lines of Credit

To assist you in realizing your financial goals, Ponce De Leon Federal Bank offers variable rate mortgage lines of credit that are available to qualified applicants. This allows you to tap into the equity you have built up in your 1-4 family, owner-occupied dwelling in order to meet other financial obligations or fund other projects.

These lines offer the flexibility to use them as needed and pay them down at your own pace. During the draw period you can elect to either pay only the interest owed for that month or the entire balance (without prepayment penalties).

Our expert staff is available to assist you in identifying the most suitable solution to your financial needs.

Go to top

Guest

How Can We Help?

Calculators

Questions?

View our Video Tutorials

Text size: Reset

Personalization Settings

x

Welcome

Ponce Bank would like to personalize your banking experience. Please enter your first name below..

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

Please do not remind again