Big decisions? We’re here.

We know cash flow is tough.  Do you need to borrow for a car or home loan?  Need a line of credit or home equity loan?  Tempted to take an RV dream vacay? Your skilled and experienced BOTJ Personal Loan Team is here.  Through our quick and local approval process, we can help you finance:

  • Automobiles
  • Recreational Vehicles
  • Motorcycles
  • Land
  • Home Furnishings
  • Debt Consolidation
  • Dream Vacations
Pay your personal or business loans online using your debit card or electronic check.
Pay Here

Have you Considered?

A home EQUITY LOAN?

As a homeowner, you may be able to use the equity in your home as a source of available credit to complete home improvements, buy an automobile or consolidate debts. The benefits of a Home Equity Loan include:

  • Affordable fixed monthly payments
  • Fixed interest rate
  • No pre-payment penalty 

MEET OUR CONSUMER LENDING TEAM

a HOME EQUITY LINE OF CREDIT

You may be able to convert the equity in your home into a line of credit. Our Home Equity Line of Credit offers you quick and convenient access to funds when you need them and include:

  • Revolving line of credit – only borrow what you need, when you need it
  • Easy checkbook access with special equity checks
  • Flexible payment plan

All loans are subject to credit approval.

Make a loan payment

Online loan application

ESIGN Enrollment Authorization