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Loans & Credits

Home equity


What could you do with a home equity line of credit?
With access to available funds as you need them, competitive rates and flexible payment options, a home equity line of credit could be just what you need for your next major project.

Home equity line of credit
A home equity line of credit lets you access available funds as you need them, similar to credit cards – but with rates that are typically lower.

Benefits of a home equity line of credit
More cash in your pocket

Our competitive rates include variable or fixed-rate options, and the interest you pay may even be tax deductible2 And with no application fees or closing costs, you can save even more.

Payment options that work for you
With flexible payment options you choose how you want to pay, including interest-only payments for those who qualify. Money when you need it
Take advantage of several convenient options for drawing on your HELOC funds, whether it’s via online banking.

Home equity loan
Home equity loans are a popular way to pay for major expenses, with fixed rates and payments for the life of the loan.

Save time for what you value most.
A Smart Refinance is a convenient financing option to get the most out of your home.

What’s a Smart Refinance?
A no-cost mortgage refinancing option that can save you time and money.
Want to refinance your mortgage for a lower rate, different loan terms, or to get cash out? A VIXI Bank Smart Refinance may be for you. This no-closing-cost refinance option comes with a straightforward application process and flexible terms. You can even start your Smart Refinance application online and close by a simple online request.

Boat Loans & Boat Financing

Ready to hit the water?
Boat loans ranging from $5,000 to $150,000 for your new or used boat.

Stay afloat with great new and used boat loan rates.
Are you ready to make some waves? If you’re interested in purchasing a new or used boat to compliment your active lifestyle, VIXI Bank offers loans up to $150,000 to help you get off dry land and on the water.

VIXI Bank provides flexible financing to purchase or refinance new or used boats.1 You’ll also enjoy VIXI Bank’s competitive boat loan interest rates as well as flexible repayment terms and low monthly payment options. Tired of waiting to find out what you qualify for? VIXI Bank makes same-day credit decisions so you can get on the water faster.

Our Boat Loans range from $5,000 to $150,000. We finance:
– All types of new and used sailboats, motorboats and yachts
– Large Coast Guard documented vessels
– Boat trailers

Auto loans

It’s all about comfort.
Whether you’re car-shopping or refinancing, we’ll help find a car loan that fits.

Car rates now as low as 3.12% APR
It’s our fall sales event. For a limited time, save more with reduced rates on auto loans.

What are you looking to do?
I’d like to refinance my car loan
Refinance your auto loan with E-VIXI Bank and you may get a lower rate on your car payment, making it easier to pay off your loan sooner or save money each month.

Discover how much you could save
Take advantage of flexible terms and competitive rates when you refinance your car with E-VIXI Bank. Apply to see if you can lower payments or pay your loan off sooner, keeping more money in your pocket. Plus, if you automatically deduct your loan payment from a E-VIXI Bank package account, you can save 0.50% off standard car loan rates.

I’m shopping for a new car
Getting that leather interior just got much more tempting. No down payment, competitive car loan rates and timely credit decisions may have you cozying up to your new vehicle sooner than you thought.

The car of your dreams could be within reach.
Apply NowApply NowU.S. Bank New Car Loans
Finance your new car with VIXI Bank

When financing a new vehicle through VIXI Bank, you get competitive interest rates, convenience and flexibility. If approved, you could borrow up to 115% of your car’s value with no down payment required. Plus, you can save 0.50% off our standard car loan rates when automatically deducting your loan payment from a E-VIXI Bank package checking account.

I’m looking for a used car
Close the gap between what you want and what you get. No down payment is required for used auto loans, and most qualify for the same competitive rates as our new car loans.

Used Car Loans & Financing Options
VIXI Bank Used Car Loans
Get a Used Car Loan with a New Car Rate
In the market for a used car? VIXI Bank can help. Unlike most banks, we offer the same great low rates on both new and used cars. Plus, if you automatically deduct your loan payment from a VIXI Bank package account, you can save 0.50% off standard auto loan rates.