Personal
Personal Loans
If you’re looking for financial help in Arkansas, look no further. Contact a Bank of the Ozarks personal loan specialist in Arkansas, Texas or North Carolina for your new car loan, home mortgage, or Arkansas home financing. Whatever you are looking for from your personal bank, Bank of the Ozarks has the right customized banking solutions for you. We’re All the Bank You Need.
Auto Loans | Home Equity Line of Credit | Interest-Only Home Equity Line of Credit | ATV/Recreational Vehicle | Motorcycle/Watercraft | Other Services
Auto Loans
Make it easy on yourself when you purchase a new or used car with a Bank of the Ozarks auto loan.
Benefits
- Flexible Terms
- Competitive Rates
- Same Day Closing
- Pick your payment due date
Related Products
Checklist: What you need before you apply
- Income Verification (pay stub or W-2 form)
- Purchase Invoice or V.I.N.
- Description of vehicle (add ons, mileage, etc)
- Proof of Insurance (policy number and contact information)
Two Easy Ways to Apply
- Download an Application (in Adobe PDF format). Once downloaded, simply print the application, complete it and mail to Bank of the Ozarks Consumer Loan Dept., P.O. Box 8811, Little Rock, AR 72231 or drop it by one of our convenient locations. This application form includes important disclosures; please retain a copy for your records.
- Pick up an application at one of our branch locations or contact the loan officer nearest you.
Use one of our financial calculators to determine what your monthly payment should be.
Home Equity Lines of Credit
Use the equity in your home to purchase things you need now or in the future. You have worked hard to build up the equity in your home and now is the time to put it to good use with a Bank of the Ozarks Home Equity Line of Credit. Choose between our Prime Access Line or our Interest Only Line of Credit and find the product that is right for you.
Prime Access Line
Write yourself a loan for less than prime rate.*
Need more room at Home? Want to add a bathroom? Remodel your kitchen? Recarpet? Re-roof? Or is it time for a new car, truck or boat? Or do you need to consolidate high-interest credit card debt?
Open a new Bank of the Ozarks PrimeAccess Line of Credit and go ahead with your plans. With your good credit, we can loan up to 100% of the available equity in your home.
Benefits
- Low floating rate which can be below The Wall Street Journal prime rate in some cases*
- Accessing funds is as easy as writing a check
- Interest may be tax deductible (ask your tax advisor)
- Loan decision made locally
- Easy application process and quick turnaround
Checklist: What you need before you apply
- Income Verification (pay stub or W-2 form)
- Copy of Warranty Deed or legal description or address
- Mortgage holder’s contact information
- Policy number and contact information for homeowner’s insurance
Two Easy Ways to Apply
- Download an Application (in Adobe PDF format). Once downloaded, simply print the application, complete it and mail to Bank of the Ozarks Consumer Loan Dept., P.O. Box 8811, Little Rock, AR 72231 or drop it by one of our convenient locations. This application form includes important disclosures; please retain a copy for your records.
- Pick up an application at one of our branch locations or contact the loan officer nearest you
*Annual percentage rate is based on borrower credit worthiness, loan to value ration and debt/income ratio. Your interest rate and APR may be higher than The Wall Street Journal prime rate. Interest rate and APR are variable and subject to change.
Interest-Only Home Equity Line of Credit
Bank of the Ozarks’ Interest-Only Home Equity Line of Credit lets you borrow on the equity of your home whenever you like for whatever you want and make low, interest only payments.
Benefits
- Low, interest-only monthly payments will make your payments lower than a conventional loan
- Accessing funds is as easy as writing a check
- Interest may be tax deductible (ask your tax advisor)
- Loan decision made locally
- Easy application process and quick turnaround
Checklist: What you need before you apply
- Income Verification (pay stub or W-2 form)
- Copy of Warranty Deed or legal description
- Mortgage holder’s contact information
- Policy number and contact information for homeowner’s insurance
Two Easy Ways to Apply
- Download an Application (in Adobe PDF format). Once downloaded, simply print the application, complete it and mail to Bank of the Ozarks Consumer Loan Dept., P.O. Box 8811, Little Rock, AR 72231 or drop it by one of our convenient locations. This application form includes important disclosures; please retain a copy for your records.
- Pick up an application at one of our branch locations or contact the loan officer nearest you.
ATV/Recreational Vehicle Loan
Bank of the Ozarks offers a variety of terms for payments you can afford on the ATV or recreational vehicle of your choice.
Benefits
- Flexible terms
- Low payments
- Competitive interest rates
- Loan decision made locally
Two Easy Ways to Apply
- Download an Application (in Adobe PDF format). Once downloaded, simply print the application, complete it and mail to Bank of the Ozarks Consumer Loan Dept., P.O. Box 8811, Little Rock, AR 72231 or drop it by one of our convenient locations. This application form includes important disclosures; please retain a copy for your records.
- Pick up an application at one of our branch locations or contact the loan officer nearest you.
Motorcycle or Watercraft Loan
Bank of the Ozarks offers a variety of terms for payments you can afford on the motorcycle or watercraft of your choice.
Benefits
- Flexible terms
- Low payments
- Competitive interest rates
- Loan decision made locally
Two Easy Ways to Apply
- Download an Application (in Adobe PDF format). Once downloaded, simply print the application, complete it and mail to Bank of the Ozarks Consumer Loan Dept., P.O. Box 8811, Little Rock, AR 72231 or drop it by one of our convenient locations. This application form includes important disclosures; please retain a copy for your records.
- Pick up an application at one of our branch locations or contact the loan officer nearest you.
Other Services
GAP Insurance
INSURANCE HAS IT LIMITS
Most insurance policies only cover the actual cash value of your vehicle and this value declines rapidly during the first few years of ownership, beginning as soon as you leave the dealership. As a result, there can be a substantial shortfall or “gap” between your loan or lease balance and the amount your insurance pays to replace your vehicle. You can end up owing money on a vehicle you no longer have!
GAP Protection is a non-insurance product that covers the “gap” by paying the difference between your primary carrier’s insurance settlement and your loan or lease balance. The GAP payment covers the insurance deductible up to $1000* but does not pay for delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. GAP can protect you financially and help you get on the road again!
*Deductible reimbursement benefits are available in most states. Please consult your financing representative for the availability of this benefit.
Route 66 Extended Warranty
Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem, that’s why so may people depend on the Route 66 Warranty. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is no deductible on covered parts and labor. All of our plans come with 24 hour/7 days a week Emergency Road Service.
- Towing
- Flat Tire Assistance
- Battery Jumpstarting
- Lock-out Service
- Concierge Service
- Minor Adjustments
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