Consumer Lending Services

Here at Bank of Travelers Rest, we make borrowing easy.  We offer solutions for those interested in most any type of personal loan.  Whether you are interested in purchasing a vehicle, consolidating high interest debt, taking a vacation, making home improvements, purchasing or refinancing real estate property, we have the right loan for you. We offer dependable financing solutions when you need them.  Our local, experienced lenders can help you with:

Vehicle Loans

Vehicle LoansWhen shopping for a vehicle, you need the confidence of knowing you have access to a simple     vehicle buying process. Whether you’re purchasing from a dealership or person to person, we can guide you through the financing.  Consider Bank of Travelers Rest your source for all information related to vehicle financing of a purchase or refinance of a new or used vehicle. With competitive rates and quick approvals, Bank of Travelers Rest is your first stop in the auto buying process.


Recreational Vehicle and Boat Loans

Whether you need financing for a RV, boat, motor home, or motorcycle, Bank of Travelers Rest offers flexible terms and low rates to help finance your dreams.


Home Equity Line of Credit

This is a great way to provide extra cash by simply writing yourself a loan up to your approved credit limit for any reason and at any time. Bank of Travelers Rest home equity loans are competitively priced with minimal to zero closing costs. Our home equity line is a revolving, variable rate, open-end line of credit secured by the equity you have built in your home.  Need money for debt consolidation or to build a new addition to your home?  A home equity line may be your answer. Home equity loans are a great way to establish a line of credit for future unanticipated needs and the interest you pay may be tax deductible.1

 1 Bank of Travelers Rest Home Equity Line of Credit is subject to credit approval.  The annual percentage rate may increase or decrease as the Prime changes.  The Prime Rate will be The Wall Street Journal prime rate.  Property and/or flood hazard insurance may be required.  Consult your tax advisor regarding the deductibility of the interest and tax savings.  Information provided is merely information that tax advantage may exist.


Bank of Travelers Rest’s Visa Card gives you the purchasing power of using one of the most widely accepted forms of payment while still enjoying the home town service of your bank.  We service our own cards and can answer questions and resolve issues locally.  Our card features a low interest rate along with the ability to earn bonus points on your purchases.  And as an added bonus, you can link your Bank of Travelers Rest Visa ScoreCard® points with those you earn on your Bank of Travelers Rest Debit Card.  Points can be redeemed for merchandise, travel, and more.

Unsecured/Secured Personal Loans

Personal loans give you money you need to meet your financial responsibilities or help you explore your options for extra cash.  Acceptable collateral for secured loans consist of Certificates of Deposit, automobiles, trucks, recreation vehicles and real estate property.


RediReserv provides overdraft protection for your checking account.  This line of credit automatically advances to cover any transactions exceeding your account balance, eliminating non-sufficient funds fees.  Any time your checking account balance is not sufficient to cover your transactions, RediReserv will advance in $500 increments up to the credit limit established. If the available limit is under $500, the entire amount will advance. Each RediReserv advance will appear on your monthly statement.

There are no fees or interest charges unless RediReserv is used. Once RediReserv advances, an Annual Percentage Rate of 18% will apply to the outstanding balance.1 The account to which the RediReserv is credited will be assessed a $10.00 fee for the transfer.2 Once a month, funds from your checking account will be transferred automatically to make the minimum monthly payment to your RediReserv account. The minimum monthly payment is 5% of the outstanding balance or $25, whichever is greater.

1Daily Periodic Rate .04932%
2This fee is charged to the checking account per RediReserv Transfer. Only one fee is charged on the day the transfer occurs.

Mortgage Lending

Bank of Travelers Rest provides real estate programs tailored to meet your specific needs.  Our team of experienced lending officers will provide you with straightforward, easy-to-understand products and advice. Whether you are a first-time home buyer, purchasing a second home or need to refinance, Bank of Travelers Rest’s lending staff is here to help you from start to finish. To learn more about the variety of mortgage loan options available to you, contact our mortgage department through the number below or visit their website.

Contact a Relationship Banker or Branch Manager at any of our branch locations or call our Customer Support Center at (864) 834-9031 / toll free (888) 557-2265 for additional information on how Bank of Travelers Rest can help you with your consumer lending needs.