Consumer Loans

What is a consumer loan? This broad category encompasses any loan or line of credit you receive including personal loans, auto loans, and more. Cornerstone Bank offers various types of consumer loans for just about anything you may need to fund in your life.

Unsecured Personal Loans

When you need to borrow money, we can help with competitive rates and flexible terms. Unsecured personal loans are not backed by collateral, but rather by your credit—they’re perfect for fast cash due to their relatively quick approval and funding process.

Overdraft Protection/Cash Reserve Line of Credit

Take advantage of the security of Cornerstone Bank’s overdraft protection line of credit options for your checking account. This consumer finance loan covers your expenses so you don’t miss payments or have your debit card denied when you need it most.

Auto Loans and More

Looking for a new or used vehicle? Want to get more car, truck, or SUV for your money? Let us help you purchase the vehicle of your dreams with easy financing options. Apply for a low-interest auto loan at Cornerstone Bank! We offer rates as low as 6.75% APR*, along with flexible terms.

Auto Loan Rates

TermsAnnual Percentage Rate (APR)* as low as:Estimated Monthly Payment Per $1,000 Financed
Up to 36 months6.75%$30.76
Up to 48 months6.75%$23.83
Up to 60 months7.00%$19.80
Up to 72 months8.00%$17.53
Annual Percentage Rate (APR) accurate as of: {{js-todays-date}}

We also offer financing for new or used motorcycles, boats, or recreational vehicles with competitive rates and financing to fit your budget.

*The actual Annual Percentage Rate available to you will be based on your credit score and payment method. The maximum loan term will be determined by the vehicle age and your credit score. The minimum loan amount for the 72 month term is $20,000.00. Rate reflects .50% discount for Automatic Payment from a Cornerstone Bank account. An option is available not to choose automatic payments; which will increase the rate by .50%. Other rates, terms, and conditions may apply. Rates and terms are subject to change at any time without notice. For the purchase of a new vehicle, financing is available up to 110% of the NADA Clean Retail Value or purchase price, whichever is less. For the refinance of a used vehicle, financing is available up to 100% of the NADA Clean Retail Value. New auto loans assume model years from 2024 to newer. Used auto loans assume model years from 2016 to 2023. For vehicles years 2015 and older, please contact the branch for further information.

Mass Save® HEAT Loan

Cornerstone Bank is pleased to offer 0% interest financing for approved energy efficiency upgrades through the Mass Save HEAT Loan program*. Mass Save HEAT Loans are available for the installation of eligible energy efficient measures recommended by a Mass Save Energy Specialist.

As a participating lender, we offer these no-interest loans on qualifying improvements, including:

  • Attic, wall, and basement insulation
  • Heating systems
  • Central air conditioning and heat pumps
  • Domestic hot water systems
  • Solar hot water systems
  • Energy-efficient thermostats
  • ENERGY STAR® qualified replacement windows

Applications for Mass Save HEAT Loans are available online, at any of our branches, or by phone. If you’d like to speak with a Cornerstone Bank representative for more information, please call us at 800-939-9103. You can also start the process by scheduling a no-cost home energy assessment from the Mass Save HEAT Loan program or by calling 1-866-527-7283 7283 to schedule your assessment. Please watch the videos on the Mass Save website for valuable information about the process.

*Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit or call 1-866-527-SAVE (7283) for details and to learn more about the program. Recording fees will be required for loan amounts that exceed $15,000 at borrower’s expense; recording fees total $75. Maximum loan amount is $25,000.00.

Looking for a loan?

Our team of professionals is here to help with personal and business loans.