Consumer Loans

TIB Bank is proud to offer a wide range of consumer loan products for a variety of purposes. Whether you are ready for a new car, the pleasure a new boat can bring, to take that dream vacation you've always wanted or to consolidate your existing debt into a more manageable monthly payment, we can help make your dreams and plans a reality.

If you reside in the Florida Keys, South Miami-Dade County or the Naples-Fort Myers area of Southwest Florida, TIB Bank now offers the convenience of online applications. You can apply from your home computer and get a quick response with competitive rates. All loans are subject to credit approval.

For more information about a specific type of loan, to apply online or print an application, just click on one of the following loan types:

Home Equity Line of Credit |  Home Equity Loan |  Dockominiums & RV Lot Loans |  Auto Loan |  Boat Loan |  CD Secured Loan
Executive Line of Credit |  CheckingPlus Line of Credit |  Unsecured Loan

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Home Equity Line of Credit

TIB Bank can help you quickly and easily tap into the equity in your home. Establish your Line of Credit today and use the funds now, in the future, or both. Use your Line of Credit for home improvement or for "life's little extras" like a new boat, car, or a dream vacation. You deserve it and we can help make it happen through our Home Equity Line of Credit.

• Convenient access to your funds through TIB Priority checks
• Pay interest only on the funds you use
• Low minimum monthly payment Primary residence and vacation/second homes are eligible
  (Property must be located in TIB Bank's primary area of business)

Home Equity Loan

TIB Bank can help you quickly and easily tap into the money that exists as equity in your home. That's money you can use for college education, home improvement, consolidating other debts or for "life's little extras" like a new boat, car or dream vacation. You deserve it and we can help make it happen through our Home Equity Loan.

• Short & long term fixed rates available
• Manage your money with fixed monthly payments
• Borrow your lendable equity up to $200,000
• Primary residence and vacation/second homes are eligible
  (Property must be located in TIB Bank's primary area of business)

Dockominiums & RV Lot Loans

Do you want to own a piece of Paradise? TIB offers loans to purchase RV Lots and Dockominiums with flexible terms and low interest rates.

• Flexible Terms
• Competitive fixed rates
• Fast and Local Decisions
• Personalized Service
• Refinance Your Existing loan

New or Used Auto Loan

TIB Bank Can Put You in the Driver's Seat!

Have you found the car, truck or van you want to buy? Are you looking for a pre-approval to go car shopping? Would you like to re-finance your existing vehicle loan? Maybe you would like to borrow money and use your current vehicle as collateral. Whatever your needs or reason; TIB Bank is here to help.

• Competitive fixed rates
• Flexible Terms
• Fast and Local Decisions
• Financing available for models up to 5 years old.

Let TIB Bank Finance Your Dream Car!

New or Used Boat Loan

TIB Bank's "Float Your Boat" Loan

Let TIB Bank launch you into a new or used boat. We'll make your boating dreams come true with our "Float Your Boat" loan. So whether you're looking to try out your new fishing pole or spend the day on the water with family, let TIB Bank show you how we can make your boating dreams a REALITY! Looking to refinance your existing boat? Check us out!

• Flexible Terms
• Competitive fixed rates
• Fast and Local Decisions
• Personalized Service
• Refinance Your Existing Boat Loan

Make Your Boating Dreams Come True!

CD Secured Loan

A Low Cost Way to Borrow Money

If you are looking for the least expensive way to borrow money, TIB Bank offers loans secured by Certificates of Deposit. A CD secured loan is a great way to begin to establish credit. Or maybe you need a way to begin to reestablish a damaged credit history. A CD secured loan may be just the answer you are looking for.

• Interest Rates at Wall Street Journal Prime or Below
• Borrow Up To 100% of Your CD
• Fast and Local Decisions
• Personalized Service
• Establish Credit or Re-establish damaged Credit

Apply for a Low Cost CD Secured Loan Today!

Executive Line of Credit

Convenience and Easy Access to Credit

TIB Bank offers the Executive Line of Credit as a convenient and easy access to credit. Establish your Executive Line of Credit for any specific purpose or to have funds available for the unexpected. Your Executive Line of Credit can be secured or unsecured. Either way, you'll have the comfort of knowing that you have credit available when you need it.

• Convenient Access to Your Funds through TIB ExecuChecks
• Pay Interest Only on the Funds You Use
• Minimum Monthly Payment is Only 1½% of Balance
• No Annual Fee
• Fast and Local Decisions

Establish Your Executive Line of Credit Today!

CheckingPlus Line of Credit

Convenient Access to Funds

If you are looking for a convenient way to access funds for that unexpected need, a CheckingPlus Line of Credit may be for you. This Line of Credit is tied directly to your checking account for access. Our CheckingPlus Line of Credit also offers protection against an overdraft should you fail to write down a check.

• Tied to Checking Account for Easy Access
• Credit Limits Established from $2,000 - $5,000
• Monthly payment, 3% of balance, deducted from checking account
• Tranfers Made in Increments of $100
• Avoid Overdraft Fees
• Fixed Annual Percentage Rate of 13%

Establish Your CheckingPlus Line of Credit Today!

Unsecured Loan

TIB Bank Offers Unsecured Loans

TIB Bank offers loans on an unsecured basis for almost any purpose. If you need to borrow money but are unable to offer collateral, you can apply for an unsecured loan.

• Competitive fixed rates
• Fast and Local Decisions
• Personalized Service

Apply for a TIB Bank Loan Today!