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Consumer Loans

When you need a loan you can depend on, turn to Timberline Bank, where your interests are our priority.

Flexible Loans, Personalized for You

Start your adventure with a knowledgeable, local team who can assist in finding the best solutions for you. From growing your family to unexpected emergencies, our team will help you find the best personal loan solution. Timberline Bank offers personal lines of credit, real estate loans, and auto/recreational options. 

Contact Us Today for All of Your Personal Lending Needs!

Our Consumer Loan Offerings

Auto & Recreational

We offer competitive rates and flexible terms to assist you in the purchase of your new or used auto, boat, ATV, motorcycle, RV, or camper so you can live your best life on the Western Slope. 

Real Estate

Are you in the market for a new house, ready to remodel that master bedroom, or have you found that perfect lot to build your dream home?  Let Timberline Bank finance your next real estate transaction with options available for:

  • Home Purchase or Refinance (Timberline Bank Mortgage)
  • Condotel or Fractional Ownership Unit
  • Construction (New builds and remodel projects)
  • Home Equity Line of Credit (HELOC)
  • Home Equity Loan (HELOAN)
  • Vacant Land or Developed Lot
Personal Loans

Whether you are looking to consolidate debt, pay for a major expense, or want funds to be available in the event of an emergency, Timberline Bank offers personal loans and lines of credit to meet your needs:

  • Securities Based Lending
  • Cash Secured
  • Unsecured
Physicians Loans
Our physician-focused mortgage option is tailored for medical professionals, including executives, doctors, and dentists. It offers zero down payment and up to 50% debt-to-income ratio, facilitating an affordable path to homeownership. Learn more HERE. 

For More Information, Connect with a Consumer Lender. 

Why Timberline Bank?

Community Focus
When you bank with us, you are giving back to your local community. Your deposits stay local, helping to support economic growth on the Western Slope.
2024 Top Regional Bank
in the Nation
Timberline Bank was recognized as one of the top 250 regional banks in the United States by Newsweek two years in a row.
Excellent Customer Service
We go above and beyond in every aspect of customer service—when you call us, you’ll talk to a real, local person who’s ready to help.
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Let's Make Life Easier

Moving your accounts to Timberline Bank has never been easier.

Consumer Loan FAQs

What is a consumer loan?

A consumer loan is a sum of money borrowed by an individual for personal use, such as purchasing a car, home improvements, or consolidating debt. These loans are typically repaid in fixed monthly installments over a set period.

What is an APR?
APR stands for Annual Percentage Rate. It represents the annual cost of borrowing money, including the interest rate and any fees.
How do I make payments on my consumer loan?

Timberline Bank offers various payment options, including online payments, automatic withdrawals, and mail-in checks.

Can I pay off my consumer loan early?

 Yes! Timberline Bank does not penalize for early payment on consumer loans.