Personal Services - Loans

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Loans

Mortgages

Home Purchase Loans

When it comes to building, buying or refinancing your dream home, there’s no substitute for experience. Alliance Bank of Arizona can help you realize all the advantages of home ownership, while minimizing some of the confusion and stress that may accompany this type of event. Our real estate professionals can help you get the home of your dreams by:

  • Providing financing options - to help you select the right loan for your needs.
  • Calculating your payment - to match your budget and keep you in line with your expenses.
  • Keeping you informed of rates and costs - for a specific loan and learn how you can protect it.

All real estate loans subject to credit approval and property evaluation.

Home Improvement/Equity Loans

When it comes to home improvement projects, regardless if you do-it-yourself or hire a contractor, Alliance Bank of Arizona is ready to help you with your project. Our sensible Home Improvement or Home Equity Loans are available for everything from swimming pools to room additions, new carpeting to a new garage. You will receive competitive interest rates and flexible payment plans.

All real estate loans subject to credit approval and property evaluation.

Prime Line

PrimeLine Home Equity Credit Line

Alliance Bank of Arizona's PrimeLine home equity credit line* offers you a flexible, cost-effective resource for extra cash. Pay down debt, fund home improvements or use your credit line for almost any other purpose.

PrimeLine benefits provides dollars for current and future needs with a rate that makes sense.

  • A reduced rate when you sign up for an automatic payment deduction from your Alliance Bank of Arizona deposit account.
  • No appraisal fee for lines under $650,000

PrimeLine may be a good choice for having money available for both current and future needs, including:

  • Debt consolidation
  • Home improvements
  • Education
  • Personal investments
  • Take that dream vacation
  • Pay off high rate loans and credit cards
  • Multiple options to access your funds: checks, telephone, in person
  • Apply at your nearest Alliance Bank of Arizona office
  • Interest on a PrimeLine equity line may be tax deductible**

* Subject to credit approval and property evaluation.
** Consult a tax advisor regarding the deductibility of interest costs.

Real Estate Construction Loans

Alliance Bank’s Real Estate Construction Loan is simply a non-revolving line of credit for a specified sum. The money is advanced through a construction escrow account with a title company as funds are needed to pay for hard or soft costs. During the term of the loan, you pay monthly interest. The dollar amount needed for these payments may be included in the total costs, so you don’t have to pay "out of pocket." Rather, the loan is increased on a monthly basis to pay the interest. Interest is accrued and paid on the day-to-day balance of the credit, not the entire commitment amount.

All real estate loans subject to credit approval and property evaluation.

Overdraft Protection

Protect your personal checking accounts with Alliance Bank of Arizona's Overdraft Protection Plan.

Our Overdraft Protection Plan is a revolving line of credit that is attached to your checking account. Funds are automatically transferred from your Overdraft Protection Plan's available credit limit to your checking account to pay for checks or other items that are larger than your checking account's balance.

Need additional cash in a hurry? You can also initiate advances against your Overdraft Protection Plan for any amount up to your credit limit to help pay for expected or unexpected expenses. You simply repay the used portion of the loan in full or in monthly installments.

There's no need to worry about overdrawn accounts - or overdraft fees - with Alliance Bank of Arizona's Overdraft Protection Plan. Please contact one of our banking professionals at any of our statewide offices to learn more.

Subject to credit approval.


Lost or Stolen Card Procedures

Immediately contact one of our Regional Banking Offices for more information during regular banking hours (8:00 a.m. to 5:00 p.m. Monday through Friday MST). To report lost or stolen Business Check Card or ATM card after hours, please call 1-800-528-2273 or 1-812-647-9794 outside the United States.

Credit Cards

We’re pleased to offer our Alliance Bank of Arizona VISA Platinum and Classic credit cards with a low APR fixed interest rate for the first six months and our DreamMiles® Rewards Program.

With DreamMiles®, you’ll earn one point for every dollar you spend with your card. Choose from hundreds of rewards options including discounted travel, brand-name merchandise, gift cards, cruises, hotel stays and free airline tickets. Call or visit your local Alliance Bank office for an application and important disclosure information.

Subject to credit approval. Additional disclosures will be provided at account opening.

Access your credit card information online at www.e-creditcardservices.com.

Secured

Do you need extra cash without disturbing your investments? Alliance Bank of Arizona's Secured Personal Loans are ideal for savers and investors who need cash for a variety of reasons.

All loans subject to credit approval.

Unsecured

An Unsecured Personal Loan from Alliance Bank of Arizona can save you money on your high interest credit card balances. It can also help you pay for major purchases, personal expenses, college tuition and even consolidate bills, take a dream vacation, or cover an unexpected tax bill - all at a competitive interest rate.

All loans subject to credit approval.

Vehicle

Are you in need of a new or used vehicle? See Alliance Bank of Arizona first before you shop for your next vehicle purchase. We offer Vehicle Loans for new or used autos, trucks, recreational vehicles, motorcycles, and all-terrain vehicles that will easily fit your budget.

All loans subject to credit approval.