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North Valley Bank

Personal Loans

We can help make your dreams come true.

Our personal loans and lines of credit can put you within reach of your goals. Whether you need money to buy a car, make home improvements, take a vacation or most anything else, we can help make your dreams a reality. We make borrowing money easier, with:

  • Quick decisions. Once you apply, you won’t have to wait long for an answer.
  • Easy application process. You can apply in person.
  • Competitive rates. We set our rates based on local market conditions.
  • Customer discounts. We’ll reduce your interest rate on a new installment loan by ¼% if you choose to have the monthly payments deducted from your North Valley Bank checking or savings account.
  • Flexibility. We’ll work with you to customize the loan payment and terms to fit your budget.

Installment Loans**

With a fixed interest rate and term, an installment loan provides the security of knowing what your payment will be each month.  Pending credit approval, we also make secured personal loans for just about any purpose, including vacation, recreational vehicles, debt consolidation and more.  For more information, give us a call or send us an e-mail and tell us how we can help you.

Overdraft Protection** 

Help protect yourself from overdrawing your account and enjoy convenient access to extra funds with a line of credit attached to your checking account.  Funds are automatically advanced to your North Valley Bank checking account in $100 increments when needed, up to your credit limit.  Then, as you repay any advances made, your available credit is automatically replenished.  It’s easy to use and easy to apply. When viewing your account through NetTeller™, your available balance includes any funds you may have available on your overdraft protection line of credit.

Home Equity Loans and Lines of Credit**

Borrow money at a lower cost by using the equity in your home to secure a loan or line of credit.  What’s more, the interest is usually tax-deductible (consult your tax advisor for more information).  Borrow up to 70% of your home’s equity, based on the current market value and loans already secured by your home.  Home equity loans are available for up to 5 years.  A home equity line of credit provides the flexibility and convenience of borrowing only as much as you need, when you need it, up to your credit line.  As you pay down the balance on your line each month, you replenish your available credit to use again as needed.

**Loans  are subject to credit approval and available to residents located primarily in the Denver Metro and surrounding Adams, Arapahoe, Denver, Douglas, Jefferson, Weld, Boulder & Broomfield counties in Colorado.

Personal Financial Statement

Please follow this link:  Personal Financial Statement  to print the form. Please contact the loan department at 303-452-5500 and they will provide you with a secure link to safely upload the form once you have it completed.

Secure & Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) Disclosure

The S.A.F.E. Act requires individuals, who act as a residential mortgage loan originator (MLO) to register with the Nationwide Mortgage Licensing System and Registry, obtain a unique identifier, maintain this registration and provide this information to consumers before acting as an MLO.
The following employees at North Valley Bank (MLO #665543) are registered MLOs: 

  • Denise Brown - MLO #492638
  • Vivian Cummins - MLO #1634155
  • Jacob Wade - MLO #1808145
  • David L Jansen- MLO #580398
  • Ashley Buhler - MLO #1997179
  • Stacey Deuel - MLO #459279

NMLS Consumer AccessSM is a free service for consumers to confirm that the Mortgage Company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state. Visit  if you wish to verify registration.