We can also help you book out that purchase to help determine if the price is right for you.   For a vehicle, RV or boat loan, the Annual Percentage Rate is calculated based on the year, loan term and your personal credit rating with Annual Percentage Rates as low as 6.45%.   Use the payment calculator to help you determine the vehicle you can afford, book out the vehicles using the NADA and Kelley Blue Book and then print the consumer loan application form to bring into your loan officer to finance your vehicle.  To speak with a Loan Officer, call or email a branch most convenient to you. 

Personal Ready Reserve Line of Credit   Enjoy the convenience and flexibility of your own credit reserve that is tied to your personal checking to provide overdraft protection.  Benefits: It provides you with a revolving line of credit and overdraft protection, up to your credit limit. The minimum amount that will advance is $100.00 to your checking account. We will mail you a notice with each advance. Also, your Ready Reserve information is included on your monthly checking statement!

• Fees: The fee for a Ready Reserve is a low $50 Origination Fee which includes the Credit Report fee.  We do not access an annual fee like most other credit lines. If your line automatically advances, you will be charged a $2 fee each time.

• Low Interest Rate: You will find that our interest rate is very competitive priced off the Wall Street Journal Prime Rate + 7%. You pay interest only on what you need to borrow and can pay it back in part or full at any time.

• Flexible Payment Schedule: You have the choice of paying the entire balance at any time, with no prepayment penalties; or making monthly payments by automatic deduction from your Twin River National Bank checking account.  The minimum monthly payment that you agree to make when you establish your credit line is:
                      5% of the outstanding principal balance or $30.00, whichever is greater; however, if your
                      balance is less than $30.00, the entire balance plus interest will be due.

Here is how to establish your Ready Reserve:  Complete a basic credit application and provide a current paystub. We will be happy to help you with any questions. After you have completed the application, we will review the information and your credit report and notify you of the status by phone or email.  If approved your loan documents can be ready as soon as you need them.