Personal Loans

Patterson State Bank has been making dreams come true, one loan at a time, since 1925.

We offer personal loans Patterson LA for just about anything. Whether you are in the market for a vehicle, planning your dream vacation or just want to consolidate debt, we have your solution. Let our loan professionals design a loan that fits your needs and a payment plan that fits your budget.

Types Of Personal Loans Offered:

Home Mortgage Loans

PSB understands that buying or building a home or refinancing your existing mortgage can be one of the largest financial commitments you will ever make, and our Home Loan Specialists are committed to helping make your dream of home ownership a reality.

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Competitive rates for home purchase, construction or refinance

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Applies to primary residence, vacation home or investment property

Many financing options available:

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Fixed rate mortgage

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Adjustable rate mortgage (ARMs)

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First-time homebuyer

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Construction loan

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VA Loans

Home Equity Loans/Lines

Homeownership is a longterm commitment and with that comes benefits. Our Home Equity Loans and Lines of Credit can be used for a wide range of purposes. We offer competitive rates and since this loan may be tax deductible (consult your tax advisor), could provide you a lower cost way to borrow!
These are just a few examples:

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Home repair or remodel

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New vehicle

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Swimming Pool

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Debt consolidation

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Education expenses

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Family vacation

Land Loans

Finding the perfect piece of land is the first step in building your dream home. The next step is financing, and that is where we can help. Land loans provide short term financing in order to purchase the property on which you intend to build your new home.

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Raw Land Loans

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Developed Lot Loans*

*We offer 100% financing to qualified borrowers who want to purchase a developed lot for their future home.

Patterson State Bank has been making dreams come true, one loan at a time, since 1925.

Buying a home is an exciting and important decision. Whether you are looking for the best rate, the lowest downpayment or solutions for a less than perfect credit score, we have multiple financing options to find the right loan for you.

Auto Loans

Are you still handwriting checks, addressing envelopes and buying stamps? Do you pay bills online by logging into multiple payee sites? With PSB’s Bill Payment service, you can securely pay bills FAST and FREE.
Our Online Bill Pay program allows you to schedule and make payments, as well as receive e-bills.

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FREE for all online banking customers

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Pay one time or recurring bills

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Schedule payments in advance

Personal Loans/Lines of Credit

Chances are you are never without your mobile device. If this is true, discover the advantages of having your bank on your phone, wherever you go! (Android or iPhone) Think of your phone as your own personal virtual banker!

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FREE for all online banking customers

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Check account balances

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Deposit a check

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Set up and pay bills using PSB Bill Pay

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Transfer funds from one PSB account to another

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View detailed transaction history

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Set up email or text alerts for things such as: daily balance, transfers, low balance and many more

Overdraft Protection Solutions

Line of Credit

Occasional overdrafts and unexpected opportunities happen. If you want to avoid overdraft fees on your checking account and have the peace of mind that your checks and debit card transactions will be honored, apply for our Overdraft Protection Line of Credit.

Overdraft Privilege

While we don’t encourage overdrafts, we do know that accidents happen and offer a solution to avoid the costly fees of returned checks as well as the embarrassment and inconvenience of being declined at the checkout. By choosing Overdraft Privilege, you give us permission to honor your checks and bill pay transactions, at our discretion, and allow your account to go negative. Also, if you opt-in to overdraft services for debit cards, you give us permission to allow debit card and ATM transactions to result in a negative balance. You will owe an overdraft fee to the bank for each overdrawn item but will avoid the merchant’s returned-check fee and will stay in good standing with the people you do business with.

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