Consumer Lending Services

At Bank of Travelers Rest, we make borrowing easy. 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 the financing options that best meet your needs.  You can apply for most consumer loans safely and securely through our online application process.

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Vehicle Loans

When 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 an individual, 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.  To begin an application, click the Start a Consumer Loan Application button below.  To see our current consumer loan rates, click the Rates button below.   For questions, please call Customer Support at 864-834-9031 or toll free at 888-557-2265

Start a Consumer Loan ApplicationRates

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.  To begin an application, click the Start a Consumer Loan Application button below.  To see our current consumer loan rates, click the Rates button below.   For questions, please call Customer Support at 864-834-9031 or toll free at 888-557-2265.

Start a Consumer Loan ApplicationRates

RediLine

A Bank of Travelers Rest RediLine is competitively priced with low closing costs. Our RediLine is secured by the equity you have built in your home. It is a revolving, open-ended line of credit with a variable rate. Need money for debt consolidation or to build a new addition to your home? A RediLine may be your answer. This is a great way to establish a safety net for future, unanticipated needs, and the interest you pay may be tax deductible.

Bank of Travelers Rest RediLine is subject to credit approval. The annual percentage rate may increase or decrease as Prime Rate 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.  For questions, please call Customer Support at 864-834-9031 or toll free at 888-557-2265.

Unsecured/Secured Personal Loans

Personal loans give you money to meet your financial responsibilities or help you explore your options for extra cash. Acceptable collateral for secured loans consist of automobiles, trucks, and recreation vehicles.  To begin an application, click the Start a Consumer Loan Application button below.  To see our current consumer loan rates, click the Rates button below. For questions, please call Customer Support at 864-834-9031 or toll free at 888-557-2265.

Start a Consumer Loan ApplicationRates

RediReserv

RediReserv provides overdraft protection for your Bank of Travelers Rest checking account.1 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.2 The account to which the RediReserv is credited will be assessed a $10.00 fee for the transfer.3 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. When you are ready to begin your RediReserv application, click the Start a Personal RediReserv Application button below. For questions, please call Customer Support at 864-834-9031 or toll free at 888-557-2265.

Start a Personal RediReserv Application

1. RediReserv is subject to credit approval.
2. Daily Periodic Rate .04932%
3. This 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 Customer Support Center at 864-834-9031 or toll free at 888-557-2265 or visit their website.

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Construction Loans

Can't find the home that's the right fit for your family?  Decided to build your own dream home? Let Bank of Travelers Rest help! Our experienced team of lenders can help guide you through the process!  Call the Customer Support Center at 864-834-9031 or toll free at 888-557-2265 and ask for a Relationship Banker to talk about how Bank of Travelers Rest can help you with your construction loan needs.

 

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 In response to the economic impact of COVID19, on March 27, 2020, Bank of Travelers Rest suspended late fees for loans.   As we adjust to a new normal, late fees will be resuming on loans due on or after August 1, 2020.  If you have questions about loan late fees, please reach out to your lending officer.