Personal Loans Business Loans Real Estate & Construction Loans

Auto Loans

Peoples Bank provides financing for all types of new and used vehicles to qualified borrowers. Typically, we will loan up to 90% of the purchase price on new vehicles and up to the published NADA Official Used Car Guide loan value for used vehicles.

To estimate what your monthly payment amount would be on your next auto loan, check out our Loan Calculator, or call one of our loan officers for current rates and more information.

Other/Consumer Loans

We understand that your needs and dreams are unique. We'll work with you to select just the right kind of loan and repayment plan to help you satisfy your financial needs or make your dreams come true. Call one of our loan officers today, and let us know how we can help! We provide a wide array of loan services including, but not limited to, the following:

  • Boat / RV Loans
  • Home Improvement Loans
  • Loans Secured by Certificates of Deposit / Savings
  • Loans Secured by Stocks or Marketable Bonds
  • Mobile Home Loans
  • Signature Loans
  • Vacation Loans
Home Equity Lines of Credit

Peoples Bank understands the value of home equity and offers revolving lines of credit secured by the equity you have in your home. Once your application is approved and your credit limit determined, you can conveniently access your equity line account. You decide how much of your credit limit you will use, and when and why you will borrow.

Some home equity line customers utilize their credit line to consolidate present balances on credit cards and other loans, and many use it for major expenses such as home improvements, school tuition, vehicle purchases or even a dream vacation. With a home equity line, you may be able to take advantage of some valuable tax deductions. If you itemize when you file your tax return, the interest you pay on the money you borrow on your home equity line may be deductible. You should consult with your tax advisor regarding the deductibility of interest and charges for the line.

To determine the potential amount of credit for which you may be eligible on a home equity line, complete the simple calculation below:

Home Equity Line Calculations Example Your Figures
Appraised value of your home $100,000 $
Multiply by 80% x 80% x 80%
Resulting "loanable" value of home $80,000
Subtract current first mortgage balance - $55,000 $
Potential home equity credit line $25,000
1st and 2nd Mortgage Loans

Peoples Bank strives to help serve the local housing needs of our community. Any mortgage loans that we originate will be held in our own portfolio until maturity. Our "in-house" mortgages are not sold or assigned elsewhere for servicing, so if you should ever have a question about your loan you can contact us directly. And if a mail delay has ever caused one of your mortgage payments to be late, you will enjoy the convenience of being able to make your payments at any of our locations or of having your mortgage payment automatically debited from your Peoples Bank checking account.

We can offer quicker closings and more flexibility because our decisions are made locally, and are not dependent upon an underwriter in Texas, Charlotte or Atlanta. We do not require the escrow of taxes and insurance, and there is no prepayment penalty on our residential mortgage loans.

If you are interested in a residential construction/permanent loan arrangement, we can efficiently combine a Peoples Bank construction loan with our in-house mortgage program on a single closing. If you prefer a traditional fixed rate long-term mortgage, we can coordinate a construction/permanent loan with one of the quality mortgage lenders in our local market area to help you simplify the application process and save on closing costs. Our goal continues to be to provide you with the best possible service...that's what relationship-based community banking with Peoples Bank is all about.

For commercial purpose construction and/or mortgage loans, click here.

Business Loans

For over 90 years, Peoples Bank has been committed to relationships in the way we meet and serve the financial needs of businesses. Some of the advantages of doing business with our family-owned bank include:

Local Decisions, Expertise and People — A local senior commercial officer with proven experience and the expertise to understand your financial needs will take the time to learn about the nature of your business, your future plans and existing loan request. Decisions are prompt and responsive - there's no need to rely upon out-of-town committees, "ivory-tower" decision-makers or computer credit scoring systems.

Flexibility — Peoples Bank can accommodate multi-million dollar total loans to a single borrower. We also specialize in commercial real estate loans of all types, including acquisition, investment and development loans.

Simple Service — The people you need to resolve issues or answer questions are simply on hand and available in person at Peoples Bank's local banking offices. Your banking experience with Peoples Bank will not involve long-distance call centers, 1-800 telephone numbers or various layers of departments to receive attention and service. In addition, your commercial officer is the only person you will need to see for any and all of your commercial and personal banking needs.

Relationship & Advice — Since 1910, we have been committed to long-term relationships in the way we do business as opposed to an impersonal, transactional approach. Peoples Bank seeks to furnish you with sound, long-term advice to suit your particular plans and circumstances, even if this means steering you toward a solution that we may be unable to provide.

Residential Construction Loans

Peoples Bank believes that investing in local growth and development is one of the best ways we can help our community and its residents to reach their full potential. That is why construction loans receive a major emphasis in our lending activities. We have the experience and the know-how to assist both the professional builder/developer and the homeowner building his or her very first home, and our rates and terms are always competitive. Please call us for more details on the specific construction project you have in mind.

Commercial Real Estate Loans
  • Peoples Bank provides loans secured by commercial real estate for a variety of business financing needs. Usually these loans finance most of the cost of purchasing, constructing, making improvements to, or refinancing commercial property.
  • A single loan can be provided to handle both construction and long-term financing needs for a new commercial building. This minimizes up-front costs for the customer.
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Peoples Bank
PO Box 80968
Conyers, Georgia 30013
Phone: (770) 483-7200  ||  Fax: (770) 761-1000
Customer Service Center: (877) 753-9224 
Lost Debit Card: (800) 554-8969