Personal Loans

Whether it’s a vacation, home improvement or unexpected expense, we have a personal loan to fit your needs. As a community bank in Central Pennsylvania, Pennian Bank has been helping to finance purchases large and small since 1864. Let us help you decide which loan is best suited for your financial situation.


We offer personal term loans and lines of credit you can apply for online and get a response in minutes!

Upon approval, you can receive funds in as little as 3 business days.

Home Equity Line of Credit

Are you looking for a way to use the equity in your home to help finance your dreams? Pennian Bank’s Choice Home Equity Line of Credit could be the right option for you! The convenience and flexibility of the Choice HELOC allows you to finance life’s expected or unexpected expenses.

With a local lending team, our specialists live and work in Central Pennsylvania and are able to help you through the process.

The Choice HELOC features:

  • Interest-only payments during the draw period
  • Ability to lock in your rate for up to 5 installments at a time
  • Access the line of credit for up to 10 years, so you can borrow money when
    you need it

Offer valid for new Choice HELOC customers. Borrowers must meet a certain credit score and loan-to-value (LTV) requirements to receive the introductory rate. The introductory rate of 5.99% APR (annual percentage rate) is effective for the initial 6 months of the loan. After the introductory period, the rate converts to a variable permanent rate, which will vary with the Wall Street Journal Prime rate, as published in the Wall Street Journal plus or minus a margin. Any promotional introductory APR offered will not apply if the Choice HELOC proceeds are utilized for the refinance of existing Pennian Bank home equity loans and/or Pennian Bank home equity lines of credit. The Choice HELOC permits borrowing up to 80% of the available equity in the primary residence (excludes rental properties), other conditions and terms may apply. The rate will never exceed 18%. As of 5/1/24, the variable rate ranges from 8.15% – 9.00%. APRs advertised are based on a minimum credit score of 700, maximum LTV ratio of 80% and a minimum loan amount of $5,000. A higher APR may be applied for loans with credit scores below 700 and/or LTV ratios over 80%. All Choice HELOCs have a 120 month interest-only draw period. The first 120 months is a draw period and is subject to monthly payments of interest-only calculated on the outstanding balance, followed by a 180 monthly installment repayment period. You may lock in all or a portion of your outstanding balance as a fixed rate term loan with a limit of up to 5 fixed rate term loans at any one time. The total of all Choice HELOC and fixed rate term loans issued by Choice HELOC shall not exceed maximum available credit. A $50 fee will be assessed to lock and unlock a fixed rate term loan. Maximum loan amount is $500,000.00. Choice HELOC is subject to a $250 processing fee. For loans above $250,000, title insurance may be required and fees can range from $2,050 to $3,260. Property and flood insurance, if applicable, are required. Additional fees may apply. Loans are subject to credit approval. Rates are subject to change at any time. Promotional introductory fixed rate is subject to termination at any time. Bank NMLS 561538

*Loans are subject to credit approval.

Credit Builder Line of Credit

If you are trying to establish credit, then our Credit Builder Line of Credit may be the perfect option!

It features:

  • Credit line up to $1,000.00
  • You have control of moving the funds to fit your financial needs.
  • Transfers can be made through digital banking, at a Pennian Bank office or by contacting Customer Care Center.
  • No minimum draw amount.

For rates and additional information, contact our Customer Care Center at 717-436-2144 or visit any of our office locations.

*Loans are subject to credit approval. Rates and fees may change at any time. Additional terms and conditions may apply.

Explore Our Personal Banking Services

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