At Ponce your interest rate is reduced a half of one percent when repayment is made through a transfer from your deposit account.

Loans Secured on Savings

Description:

Customers use the balance in their savings account to secure a personal loan. The interest rate is usually lower than if the loan was unsecured and the funds in their saving account continue to earn interest.

Automobile and Boat Loans

Description:

To purchase that new automobile, or used ones not more than three years old, Ponce De Leon offers loans at competitive rates. Loans are also available for new and used boats.

Home Improvement Loan

Description:

Completely remodel your home, replace your roof, add new rooms, new heating or an air conditioning system. Or, install a new swimming pool or change your landscape. Get the extra cash you need with this type of loan. And you may even get a tax benefit!

Installment loans are available to homeowners for one to five years. The amount available (loan to value ratio) is determined by the period of ownership.

Overdraft Cash Reserve (Over draft Protection)

Description:

You write a check and it bounces. This is not only embarrassing; you also have to pay check fees.

At Ponce De Leon FB you could avoid these fees and embarrassment with a Cash Reserve. A customer can write a check knowing that the check will be covered with the Cash Reserve established. Call for an application.

Unsecured Personal Loans

Description:

Want to borrow money and have no collateral or security. Ponce De Leon FB provides unsecured loans to applicants with the ability to repay the loan. Installment loans repayable over periods ranging from one to five years are available.