Personal Banking - Loans

Whatever your goal, BayCoast Bank has the right loan product to fit your needs.
All loans subject to approval.

• Home Equity Line of Credit

  Equity, the difference between what you owe and the value of your property can be a great resource for your borrowing needs.

  • No application fees or closing costs
  • Easy access to funds
  • Interest is charged only on the funds advanced
  • Interest may be tax deductible (Please consult a tax advisor for further information)
     

  

• Home Equity Loans

  Unlike a line of credit, our Home Equity Loan funds are advanced to you immediately and a regular payment schedule is established at a fixed interest rate.

  

• HEAT Loan 
   A 0% interest loan program for installing energy efficient heating measures. Learn More
  
  
   

• Personal Loans
  Our personal loans are unsecured and have a fixed rate of interest.
  Apply at any one of our office locations.

• Auto Loans

  Competitive rates and terms to fit your budget.

  
   

  Save money on auto loans! Have your payment automatically deducted from your BayCoast Bank Perferred Checking Account.

• Passbook Loans
  Borrow against the deposit balance in your BayCoast Bank passbook savings or certificate of deposit (CD) account.

• Overdraft Line of Credit
  Protection from overdrawing your BayCoast Bank checking account. 

* Online loan applicants must live in Bristol County, Plymouth County or Barnstable County, Massachusetts, or in the state of Rhode Island. Loan approvals are conditional and are subject to final review. Approvals are good for 30 days and are subject to a review of additional documentation such as the applicants' current pay stubs, tax returns, proof of insurance and any other documentation and verification we may require.