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Loans and Lines of Credit

Home Equity Personal Credit Lines
Higher amounts available anytime you need them, easy access to funds by credit line check, telephone, or in your branch. Secured by the equity in your home, so you may gain tax advantages, too. As usual, always consult with your tax advisor.

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Call Westamerica's Residential Real Estate Department at 1-800-442-6202 to apply.

Apply for the following loans...right over the phone! Simply call Loan Express at 1-800-514-1460. Answer a few simple questions, and in most cases, you’ll know right away if your loan is approved.

Auto Loans
For the purchase or refinance of a new or used car or light-duty truck. Extended repayment terms available.

Personal Loans
For a variety of needs, such as a major purchase or consolidation of debt.

Unsecured Personal Credit Line
Funds are available as you need them, and you pay interest only if you borrow. Convenient access by credit line check, telephone, or in your branch.

Stock or Bond-Secured Personal Credit Line
Lower interest rates than for many other forms of credit. Immediate access by credit line check, telephone, or in your branch whenever you want it.

Personal Credit Cards
We have a trusted relationship with you. That's why we can offer you a better credit card - one that's a really smart choice. Westamerica offers you great credit card options that allow you to track spending, earn rewards, and more. Your Rewards are Waiting!  Apply for your card today at any Westamerica branch location!

Verified by VISA®
Protect your Visa® credit card and Visa® debit card with a secure password for online shopping. All you have to do is register with Verified by Visa® today! Registration is quick, easy, and FREE! To register, just have your Visa credit or debit card handy and click on the Register Now link. In just a few steps, you'll be registered and ready to shop.

Extra Cash Overdraft Protection Line of Credit
Extra Cash Overdraft Protection Line of Credit is a revolving credit line which offers overdraft coverage for your checking account. If your checking account becomes overdrawn, available funds will be automatically transferred once per day at the end of the day in multiples of $100 (or for the unused portion of the credit limit if it is less than $100) from the Extra Cash Overdraft Protection Line of Credit to the checking account.

Transfer Fee:
$12 transfer fee for each transfer.
APR: 18%
Interest: Charged from the date funds are advanced until repaid.
Annual Fee: $25

This is a line of credit which is subject to credit approval and requires an application. This is not a commitment to lend and other restrictions apply. Visit your local branch or call us at 1-800-848-1088 for more information and to obtain an application.

Loans & Lines of Credit Links