You can finance a new car for up to 72 months on new models. Please call or stop in to talk to a loan officer to determine the rate of interest. Rates vary based on the term of the loan and your credit score.

We have working relationships with many local dealerships. Stop in, get pre-approved, negotiate your best deal, and ask the dealership to talk to your loan officer at Spring Valley City Bank. You can sign the papers right at the dealership! And by getting pre-approved and having your payments directly taken from your Spring Valley City Bank checking or savings account, you can reduce your interest rate even more!

Borrowers must maintain full insurance coverage on their vehicle and identify Spring Valley City Bank as the Loss Payee on their policy.

There is no fee charged to apply for a loan. There is a processing fee of $75.00 for all consumer loans. Any fees charged by any entity to secure a loan are the responsibility of the borrower.

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