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An unsecured personal loan does not require collateral such as your home or car. Loan flexibility and attractive rates make it a great option for:

  • Debt consolidation
  • Home improvement projects
  • Special events like weddings, or vacations
  • Car purchase
  • Motor sport purchase like ATV, boat, or RV
  • And more!

Unsecured loan amounts available from $2,000 to $50,000

  • Fixed rates
  • No prepayment penalty
  • 0.25% rate discount with automatic paymentfootnote1

To learn more or apply by phone, call:
TTY: 1-800-659-5495
Monday through Friday, 7am – 5pm PT

Personal Unsecured Loans FAQs

  • Can I have a co-signer?
    Yes, a qualified co-signer is permitted.
  • Who can apply?

    Applicants must be 18 years of age or older.

    Applicants must reside in the Bank's retail branch network. You do not need to be an existing Bank customer to apply.

    To determine if the state you reside is within the Bank's branch network, you may search your location using this link: Branch and ATM Location Search | Bank of the West

  • How can I use the money?

    Any legal purpose including debt consolidation, purchases, or home improvements.

    Loan proceeds are paid directly to the borrower(s).

  • What should I expect after I apply?
    If approved or more information is required, a banker will contact you within 3 to 5 business days to discuss your loan application, document requirements, and schedule a branch appointment to sign your loan documents.

    Regardless of the credit decision, you will receive a formal letter by U.S. Postal Service within 7-10 business days.

We're here for you

Make payments via
Online banking or
ACI Payments, Inc.

Are you going through
a financial hardship?
Find out how we can help.

Tell us where you live

Choose your state of legal residence. We can then give you information about the products and services available in your area.

Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.