Home, Student, Vehicle & Personal Loans

Home Loans

For everybody from first time home-buyers to seasoned home owners looking to refinance. Learn more about securing a home loan» today.

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Limited time offer - Special HELOC rates

Any time is a great time to make home improvements, but for a limited time, your options are even better with a special rate as low as 6.49% APR*. Available for Home Equity Line of Credit applications submitted between April 7, 2025 and June 13, 2025.

See HELOC Special Offer Details
Personal Loans & Lines of Credit
If you’re looking for extra cash for specific purchases, medical bills or even taxes, then take a look at options for personal loans and lines of credit.†
See Personal Loan Options
Home Renovation Financing Options
One of the first big decisions when starting a home improvement project is planning how to pay for it. See what options we offer to fund your next home project.
See Financing Options
Home Equity Loans & Lines of Credit
Installment loans or revolving lines of credit» secured by the equity in your home give you access to cash for repairs or unexpected expenses.
See Home Equity Loans
Wherever you are in your higher education, get the money you need for school. Student loans from Banner Bank in partnership with Sallie Mae® could help.
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Student Loans
Vehicle loans† for new and used cars and trucks, plus motor homes, travel trailers, boats, ATV’s, motorcycles and snowmobiles.
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Vehicle Loans

Earn 4 points for every dollar you spend on your home equity projects – and redeem for travel, merchandise, gift cards and more.

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Home Equity Rewards Mastercard®

Credit cards that earn rewards

Choose from a variety of cards and find the one that fits your needs. Get Mastercard's® free monitoring and alerts to help protect your personal information online. Earn 4 points for every $1 purchase, which you can redeem for travel, gift cards, merchandise or cash back.∉

Find the right credit card
What is a HELOC and how can I use one?
Whether it’s a new roof that just can’t wait or college tuition coming due, sizable expenses sometimes require financing. If you are a homeowner, a source of funds that may be available is a home equity line of credit, or HELOC. 
Read the blog about how to use a HELOC
How much home can I afford?
Looking to buy a home? It's good to know what you can afford before you start shopping. Use this calculator to see how much your monthly mortgage payments will be.
Use this calculator
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APR (Annual Percentage Rate) as low as 6.49% fixed for first 12 months requires a minimum FICO score of 780 or greater, not all applicants will qualify. Rate includes a 0.25% discount with autopay AND 0.25% for Banner’s Best checking account. Followed by a floating rate of WSJ Prime plus 0.74% with a floor rate at 5.99% APR. $200 documentation fee, waived. Annual fee of $125 applied on first anniversary and each year after. Maximum Loan to Value is 80%. Excludes, existing Banner Bank HELOCs, Home Equity Loans, Bridge Loans and non-owner-occupied transactions. Residential appraisals only, no commercial appraisals and proof of insurance is required. Subject to credit approval. Not all applicants will qualify. Minimum FICO of 650 required for program. Available for applications submitted between April 7, 2025 and June 13, 2025.
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View complete credit card terms and conditions.

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Subject to credit approval and at least one of the HELOC applicants and the collateral must be in Washington, Oregon, Idaho or California. View a list of Banner Bank's Mortgage Loan Originators National Mortgage Licensing System ID numbers.
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Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients.