Coast Hills

Personal Loans

Lean on us.

Whether it’s a chance of a lifetime or an unexpected expense, we’re ready to lend a hand and make anything possible. And affordable.

Line of Credit

Borrow up to $25,000 for any reason (even for overdraft protection on your CoastHills checking), and don’t pay a thing unless you use it. It’s a great way to be ready for anything life throws your way. And with a low, fixed rate, you won’t be hit with unexpected rate hikes. This makes it a cost-effective way to consolidate debt and pay off high interest credit. Get ready to start checking off your “to do” list.

emPowerSBC Home Upgrade Loans

If you want to upgrade your home, but can't afford the upfront costs, CoastHills and the Counties of Santa Barbara and San Luis Obispo want to help. emPowerSBC provides a low cost financing option to empower residents to upgrade their property through energy efficiency, water efficiency or renewable improvements. These improvements can save money, enhance your property, create local jobs and, of course, help the environment... a win-win for you and the community.  Click here for more information.

OnSpot Financing

Looking to pay for an uncovered medical or dental expense? OnSpot Financing is just what the doctor ordered. With an easy application, low fixed rates (usually much lower than other lenders), and zero hidden fees, you’ll be happy and healthy in no time.

Signature Loan

Yes, we want your autograph! With just your signature (and of course a credit check), you’ll be able to borrow between $500 to $40,000. The minimum payments can be as low as $25, which makes them convenient and affordable. We offer fixed and variable rate signature loans.

Share & Certificate Secured Loan

If you have money in a CoastHills savings account or certificate, you have access to a pretty special loan that let’s you borrow at a low rate—only 2% above the dividend rate. It’s a great way to make your money work for you.


CoastHills Mobile Banking

A nice way to say “hi” to your money.

We make it easy to stay connected to your money—wherever your adventures take you. Use your smartphone or mobile device to stay on top of your finances, check account balances, pay bills, set up alerts, even make remote deposits (it’s as easy as taking a picture). The app is free and available at the Apple App Store and Google Play.

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Real Estate Loan

Real Estate Loans

Let's buy a house together.

Our real estate lending team can help guide you through one of life’s biggest financial decisions—buying or refinancing a home. And with many different ways to borrow, you’ll have a monthly payment that fits you like a comfy pair of socks. Learn more