Loans to Fund Your Dreams
Whether you want to buy a new vehicle, take on a home remodel, buy a home or fund that dream vacation, Emprise Bank is committed to making the lending process quick and easy. Learn more about our competitive rates, fast approvals and flexible payment plans. Apply online or visit one of our 30+ branches.
From Dream to Done
Get the money you need at rates you’ll love.
Emprise Home Equity Line of Credit
Simple. Smart. Straightforward. Manage your projects and keep your budget on track, with rates generally lower than credit cards or personal loans.
Ends June 15! HELOC as low as 6.50% APR1 for 12 months, then as low as 7.75% APR variable.
Emprise Home Equity Loan
Fixed rates, flexible possibilities. Let the equity in your home help you achieve your goals, whether that’s funding a home renovation project, consolidating debt, or making a major purchase.
Ends June 15! Home Equity Loans as low as 6.24% APR2 available on 60‑month term for qualified applicants.
All loans are subject to credit approval. Offers valid through June 15, 2026. Your actual Annual Percentage Rate (APR) will be based on credit history, loan amount, and other factors. Origination fees start at $299. Existing Emprise loans are not eligible. A full appraisal may be required and could result in an additional fee. Property insurance is required. HELOC1 Promotional variable Annual Percentage Rate (APR) starting at 6.50% is available for qualified applicants with 80% LTV or less for the first 12 months. After the promotional period, APR adjusts to the standard variable rate, which may be as low as 7.75%. Minimum loan amount $5,000. APR is variable and based on the Prime Rate as published in The Wall Street Journal. Funds may be drawn for up to 7 years with interest‑only payments, followed by a 10‑year repayment period with principal and interest. HELoan2 Annual Percentage Rate (APR) starting at 6.24% are available on 60‑month term for qualified applicants. All rates are fixed for the duration of the loan. Minimum loan amount $10,000. Funds may be drawn for up to 6 months with interest‑only payments, followed by repayment over 54 months with principal and interest.
Your Loan Questions Answered
FAQs about Borrowing
The interest rate is the rate charged on the amount of money borrowed. The APR is the total cost of the loan, including the interest rate and any fees, such as origination fees or balance transfer fees. An APR gives you a clearer view of the total cost of the loan.
To apply for a loan at Emprise Bank, be ready to provide basic personal information such as your social security number and proof of income or assets. The types of documents needed depend on the loan requested. You can always contact us with any questions.
You can choose what works best for you.
- Apply online anywhere, anytime with our online loan application
- Visit one of our 30+ branches and talk to a loan officer
FAQs for Home Equity Loans and Home Equity Lines of Credit
A HELOC (home equity line of credit) is a line of credit and works like a credit card tied to your home equity. You get a credit limit and can borrow what you need, when you need it so that you’re only paying for what you use.
A HELOC can be helpful when your project is happening in stages, or the costs are less predictable. For example, if you’re updating your kitchen now and your master suite later, or you have a project where costs might change, a HELOC might be a good choice.
A home equity loan (or HELOAN) also is a loan tied to your home equity. With an Emprise HELOAN, you can access funds during a 6-month revolving period. During the first six months of the loan, you’ll make interest-only payments. After the draw period, your loan will transition to a fixed-rate loan with consistent monthly payments.
Key differences:
- HELOC: Flexible, revolving credit during the draw period; variable interest rate
- Home Equity Loan: Set repayment term based off of outstanding balance after 6 months; fixed interest rate
Calculating available home equity for a HELOC or Home Equity Loan involves understanding your home's value and the amount of outstanding mortgage debt. Here's a step-by-step guide:
- Estimate or get an appraisal of your home's value. To estimate your home’s value, research recent sales of similar homes in your area to determine your home's estimated value. You can also hire an appraiser for a more detailed assessment.
- Check your outstanding mortgage balance. Look at your current mortgage statement or contact your lender to determine the remaining balance on your original loan.
- Calculate your home's equity. Subtract the outstanding mortgage balance from your home's estimated value.
Formula:
Available Equity = Home Value - Outstanding Mortgage Balance
Are there closing costs for an Emprise HELOAN or HELOC?
Emprise Bank's HELOAN and HELOC products have an origination fee starting at $299. A full appraisal may be required and could result in an additional fee. Talk to an Emprise Bank representative for details and to review the terms and conditions of the loan.
Yes, you may pay off your HELOC or HELOAN early. There are no pre-payment penalties for an early payoff.
- Available equity: The appraised value of the home minus your current mortgage balance.
- Revolving Draw period: The time during which a borrower can withdraw money from a HELOC or HELOAN.
- Variable interest rate: An interest rate that can increase or decrease over the course of your loan based on changes to an index rate.
Home Equity Loans: Visit our Home Equity Loan page for more details and to apply.
Home Equity Line of Credit (HELOC): Visit our HELOC page for more details and to apply.
FAQs for Auto Loans
A pre-approval is a review by a lender that provides a specific loan amount and interest rate before you shop.
This is a crucial calculation that involves how much you have for a down payment, the total loan amount and term, and your monthly budget. Use our Vehicle Affordability Calculator to get a clearer picture of how your down payment, interest rate and length of your loan can affect your payments.
The choice you make can have a significant impact on your final costs and budget. Check out our Vehicle Loan Comparison Calculator to evaluate which finance offer works better for you.
Yes, you may pay off your Emprise auto loan early. There are no pre-payment penalties for an early payoff.
Visit our Auto Loans page for more information and to apply.
You find the house. We'll make it yours.
We know that buying a house is a big deal. With Emprise on your side, you can be assured that the mortgage process will be hassle-free. Why? Because buying a home should be exciting, not intimidating. You find the house. We’ll make it yours.
FAQs about Mortgages
Lenders often suggest keeping total monthly payments under 30% of your gross income.
Several factors play into what makes a mortgage affordable. Two of the most important are the loan-to-value ratio and your debt-to-income ratio. Let’s dive in:
Loan-to-Value Ratio, which is the ratio of the loan amount compared to the value of the home. The more you can put on a down payment, the lower your mortgage loan amount will be. Use the Down Payment Calculator to see how different down payment amounts can change the terms of a mortgage.
Debt-to-Income Ratio, which is the percentage of your gross income that goes to make payments on all of your debt, including your mortgage. Use our Debt-to-Income Calculator to determine your ratio.
Use our Home Affordability Calculator to estimate monthly mortgage payments based on the down payment, loan terms and other factors.
A pre-qualification is an estimate of how much you can borrow. A pre-approval is a conditional commitment from a lender. Having a pre-approval can give you an advantage over other buyers in a competitive market because it shows you already have your bank’s backing.
Closing costs are fees for services needed to finalize the loan. They can include costs associated with the origination and underwriting of the loan, any real estate commissions, insurance, property taxes, and filing fees. Use the Home Closing Costs Calculator to estimate what you’ll need at closing.
Our 1 & Done Construction Mortgage allows you to streamline your construction loan with your permanent financing, creating one mortgage that lets you focus on building your dream home instead of searching for your next financing. Learn more about the Emprise Bank 1 & Done Construction Mortgage.
Visit our Mortgage Loans page to learn more and apply.
You pick the reason. We'll finance it.
Whether you are trying to consolidate and pay down debt, make a major purchase or plan your dream vacation, a personal loan can help. No matter the reason, whatever the need.
FAQs about Personal Loans
A personal loan from Emprise is a sum of money borrowed for a set period. It’s unsecured, meaning no collateral such as a home or vehicle is required to guarantee the loan.
Your personal loan can be used for expenses like debt consolidation, major expenses such as an appliance or medical bill, or even a vacation.
Yes, you may pay off your Emprise personal loan early without a penalty.
If you need quick and easy access to cash, a CashPlease® loan may help. Learn more and apply on our CashPlease® page.
Life happens. Need to borrow a little?
When life throws you a curve ball and you need quick and easy access to cash, there's CashPlease, the affordable and smart way to manage your short-term financial needs.
Finance Your Home — From Dream To Done
Finance your home, from dream to done, with a 1 & Done Construction Mortgage.* It allows you to streamline your construction loan with your permanent financing, creating one mortgage that gives you the freedom to focus on building your dream home.
*Emprise Bank 1 & Done Construction Mortgage is for ground-up builds only; home improvement projects excluded. Use of preapproved Emprise Bank builder required.
Submit a loan payoff or verification request.
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