All of our consumer loans offer competitive rates, flexible repayment options and there are no prepayment penalties. We’ll even give you a discount on the interest rate when you have your monthly payment automatically deducted from a ChoiceOne checking or savings account.

ChoiceOne Bank offers a wide range of financing options. Click on any of the programs listed below for more information.

Take a vacation, start those home improvements, complete auto repairs or use funds from a personal loan for just about anything! You will receive a fixed interest rate, which is guaranteed not to change during the term of the loan. A discount on the interest rate is offered for having your monthly payment automatically deducted from a ChoiceOne checking or savings account.

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Our auto loans will help you finance the purchase of that new or used car you’ve been waiting for. Our auto loans feature fixed monthly payments at competitive interest rates. Depending on the year of the vehicle, you may receive the same rate whether the car is new or used. As with our other consumer loans, you can take advantage of an interest rate discount by having your monthly payment automatically deducted from your ChoiceOne checking or savings account.

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We finance all types of recreational vehicles and equipment including ATV’s, motorcycles, snowmobiles, lawn & garden, utility trailers, boats, motor homes, fifth wheels, and campers. These loans are offered for new and used recreational vehicles and equipment, and feature fixed monthly payments. An interest rate discount is offered for having your monthly payment automatically deducted from your ChoiceOne checking or savings account.

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Our convenient home equity loan products provide qualified homeowners the ability to meet their financing needs by using the equity in their home. Funds from a home equity loan can be used for things such as home improvements, a new car, a vacation, debt consolidation, or anything else. Term loans feature a fixed interest rate and fixed monthly payment which allows the borrower to budget their monthly expenses appropriately. ChoiceOne offers home equity loans utilizing up to 80% of your home’s equity. In most cases, the interest paid on a home equity loan is tax deductible. Consult with your tax advisor for tax deductibility.  As with our other consumer loans, you can take advantage of an interest rate discount by having your monthly payment automatically deducted from your ChoiceOne checking or savings account. 

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We offer affordable, flexible lines of credit that can be used for anything the homeowner desires. Revolving lines of credit feature interest only payments and allow the borrower to use their funds when they need them. ChoiceOne offers home equity lines of credit utilizing up to 80% of your home’s equity. In most cases, the interest paid on a home equity line of credit is tax deductible. Consult with your tax advisor for tax deductibility.  As with our other consumer loans, you can take advantage of an interest rate discount by having your monthly payment automatically deducted from your ChoiceOne checking or savings account.

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ChoiceOne offers Elan credit card services. This program gives customer the option of many types of credit cards to fit their specific needs. Listed below are the cards offered.

• Visa Platinum
• Visa Classic
• College Visa
• Young Adult Visa
• Cash Rewards Platinum
• Visa Platinum Travel
• Secure Visa Card

Visit, callore-mail a ChoiceOne Bank location today to obtain an application or more information about these services. Or feel free to call at 616-887-7366 or toll free 888-775-6687.

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