Consumer Loans

Experienced loan officers dedicated to providing you with the best service and support.

At Mountain Valley Bank, all of our personal loans are designed to meet the long term financial needs of our customers in the local communities we serve. We have loan products that can be customized for your individual financial needs and we have local, experienced loan officers dedicated to providing you with the best service and support.
Customized loans to meet your individual financial needs
Local decision making
Personal contact with your own Consumer Lender
Fast turn-around time
Competitive rates
Low or no closing costs

Loan Types

Personal Loans

Mountain Valley Bank Offers Competitive Rates, Fast Service and Terms To Meet Your Needs. Are you planning to buy a car or a truck, remodel your home, pay for a college education, or take a vacation? Whatever the reason, Mountain Valley Bank can help.

Applying for a personal installment loan is easy at Mountain Valley Bank. Approval for most personal loans takes 24 hours or less in most cases. Which means in no time at all you can have the money to meet your financial goals.

When you apply for a personal loan at Mountain Valley Bank, you can also apply for our payment protection service. It protects you and your family in case of loss of life, serious injury, or health problems. Ask your Mountain Valley Bank Consumer Lender for information about these important options.

Motor Vehicle Loan

At Mountain Valley Bank we know that when you need a loan time is of the essence. We are locally owned with decisions made right here at the bank. Our lenders are experienced, efficient individuals who are committed to our customers. We offer flexible financing to meet your needs. Stop by any Mountain Valley Bank location and see a consumer lender to get you in the vehicle of your dreams today!

Home Equity Loan

The IRS no longer allows interest deductions on consumer loans. That makes a home equity loan an especially attractive option. It is tax deductible* in most cases, and the interest rate on a home equity loan is generally lower than other kinds of loans.

*Consult a tax advisor regarding tax deductibility.


Home Equity Lines of Credit

Homeowners have a tax advantage when they choose Mountain Valley Bank’s Prime Equity Line. It’s one of the most convenient and affordable lines for credit available to homeowners today.

You’ll have a tax deductible* way to borrow the equity you have built up in your home. It gives you a line of credit that puts cash in your hands instantly to buy a new car, take a vacation, pay for college tuition, consolidate your bills or handle unexpected emergencies.

Once approved, the money is there when you need it. You can access your credit simply by writing a check. It’s that easy.

Interest is charged only on the unpaid balance of your credit line. The variable interest rate is lower than most personal installment loans, and interest payments are fully tax deductible* in most cases. That means you could save money on your taxes and lower your effective borrowing costs.

*Consult a tax advisor regarding tax deductibility.


Steamboat Springs Curve Plaza - 970-870-6550

Steamboat Springs Wildhorse - 970-870-9990

Meeker - 970-878-0103

Walden - 970-723-8221

Hayden - 970-276-9099

Greeley - 970-351-8600

Fort Collins - 970-472-7900

24hr Telebanking - 877-275-2088