Mortgages
6.35% 30-yr fixed APR*
Fixed and adjustable mortgages with no lender fees, a 21-day average close, and a rate lock that costs nothing.
Loans & mortgages
Borrow at a rate you can check against the math yourself — the calculator below is the same formula we use.
Borrow
Three ways we lend
Personal Loans
9.49% APR from*
$2,000 to $40,000, fixed for the life of the loan, no origination fee and no prepayment penalty. Funds arrive next business day.
Auto Loans
5.74% APR from*
New, used, and refinances. Get pre-approved before you shop and negotiate like a cash buyer.
Do the math
Monthly payment calculator
Standard amortization: the same formula printed in every loan disclosure. Adjust the numbers and watch the payment move.
Today's published rates
Every rate, on the record
Fictional demonstration rates, refreshed daily in theory.
| Product | Term | APR from* | Notes |
|---|---|---|---|
| 30-year fixed mortgage | 360 months | 6.35% | No lender fees, free 60-day rate lock |
| 15-year fixed mortgage | 180 months | 5.72% | No lender fees, free 60-day rate lock |
| Personal loan | 12–84 months | 9.49% | No origination or prepayment fee |
| New auto loan | 36–72 months | 5.74% | Pre-approval valid 45 days |
| Used auto loan | 36–72 months | 6.10% | Vehicles up to 10 model years old |
| Home equity line | Revolving | 8.25% variable | Up to 85% combined loan-to-value |
The process
What borrowing here looks like
1 · Check your rate
A two-minute pre-qualification with a soft credit pull that never affects your score.
2 · Lock it in
Like the number? Lock it. Mortgage locks are free for 60 days; personal and auto for 45.
3 · Sign online
Every document is e-signable. Mortgages close in person only if you want them to.
4 · Pay it off early
No prepayment penalty on anything we lend. Extra payments always go to principal.
Numbers first, paperwork second
Run the calculator, then bring us the result. If our quote does not beat your best offer, we will say so.
Request a quote*Meridian Bank is a fictional demonstration. Rates shown are illustrative, are not tied to any market index, and do not constitute a lending offer.