Personal Lines & Loans
Orrstown Bank Consumer Financing Solutions Empower Your Financial Journey
At Orrstown Bank, we understand that life is filled with opportunities and challenges, and sometimes you need extra support to achieve your goals. That’s why we offer a range of financing solutions designed to meet your needs, whether you’re buying a vehicle, pursuing your education, or enhancing your home.
Personal Loan
When you borrow money for a personal loan, you can spend the funds however you like. You pay the loan back in regular monthly installments. You can use the money to pay for something you couldn't otherwise afford, such as a nice vacation for your family. Many clients rely on personal loans to consolidate debt as well. Borrowers use the lower rate of a personal loan to pay off other, higher-interest debt and reduce the number of payments they make each month.
No matter why you need a loan, you should understand its terms and conditions. When you get personal loans from Orrstown, you get several advantages:
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No collateral required -
No surprises – fixed rates and payments -
Minimum loan amount - $2,500 -
Personal Line of Credit
A line of credit gives you greater flexibility in your borrowing. With a personal line of credit, you have access to a fixed sum of money, but you may not need it all at once. You can use what you need now with the option of tapping into more in the future if the need arises. In the meantime, you only pay on what you've borrowed, not the total loan amount. A line of credit may be the right choice for you if you aren't sure how much money you need and want flexibility for the future.
Check out the advantages of our personal line of credit:
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No collateral required -
Open-ended line of credit for now and the future -
Easy access to funds with checks or online transfers -
Annual fee of $25 for line amounts up to $5,000 and $50 for lines over $5,000 -
Can be used for overdraft protection on your Orrstown checking account -
Minimum loan amount - $2,500
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Lot or Land Loan
When you take out a lot or land loan, you can purchase the property you desire. You may plan to build a house there one day or are still determining what you want to do with the land. Unlike with a mortgage, you won't have to pay private mortgage insurance with a land or lot loan, and you don't need property insurance, either. You can enjoy the flexibility you desire to plan for your future.
There are many benefits of our lot or land loan program:
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Put the equity in your land to work for you -
Use extra cash to purchase land, consolidate debt or make major purchases -
Fixed payments -
Minimum loan amount - $2,500
Why Choose Orrstown for Your Personal Loan?
Orrstown Bank has been a reassuring presence in Central Pennsylvania and Maryland for more than 100 years. We've established deep roots in the communities where we live and work. Our employees are your neighbors and our children go to the same schools. We care about helping you reach your financial goals so you can have a better future.
When you select Orrstown for your personal loan, you enjoy many benefits, including:
- Personal touch: We talk to you about your options and keep you informed. You deal with actual people as you navigate the loan process.
- Updated information: We keep you informed of every aspect throughout the loan process.
- Caring: We genuinely care about helping you make the best choices for yourself and your family.
We believe that supporting our neighbors helps make our community stronger. Contact us today to learn more about our personal loan options and discuss what's possible for you.
Orrstown Bank is offering SmartLock rate of
2.99% Introductory APR *
6-MONTH INTRODUCTORY RATE
6.75% - 7.00% APR *
AFTER THE FIRST 6 MONTHS
* Introductory 2.99% Annual Percentage Rate (APR) is effective for initial 6 months of the loan with automatic payments from an Orrstown Bank eligible deposit account. Refinanced Orrstown Bank Home Equity line of credit balances does not qualify for the introductory rate. After the introductory period, the rate converts to a variable (“permanent rate”). The permanent rate will vary with Prime rate as published in the Wall Street Journal (the index) plus or minus a margin. The APR will never exceed 18% or go below 3.25%. As of 9/18/2025, the variable rate is 6.75% for properties in Pennsylvania and West Virginia; the variable rate is 7.00% for properties in Maryland. Set up and maintain automatic payments to receive the introductory APR and discounted permanent rate. Borrower(s) must also meet certain credit score and loan-to-value (LTV) requirements to receive introductory rate. Annual Percentage Rate (APR) advertised is based on a minimum credit score of 740, maximum loan-to-value (LTV) ratio of 80%, and a minimum line of credit amount of $100,000. Lines of credit amounts over $5,000-$99,999 are available with different margins. APR advertised also includes a discount of APR 0.75% for setting up (at or prior to loan closing) and maintaining automatic payments from an eligible Orrstown Bank deposit account and a higher APR will apply without automatic payments. A higher APR may be applied for line of credits with lower credit scores and higher LTV ratios. All SmartLock accounts have a 10-year interest-only draw period, followed by a 20-year repayment period. Your monthly payments may increase, possibly substantially, once your credit line transitions into the repayment period. Fixed Rate / Fixed Term Advances under a SmartLock account are subject to different pricing. There is a $50 fee for each rate lock and a $75 fee for each unlock. Lock must be in place for a minimum of 12 months before it can be unlocked. This product requires proof of active homeowner’s insurance policy. For properties in Pennsylvania, a recapture fee of $250 applies if you close the account within 24 months of account opening. For properties in Maryland, certain taxes associated with the line will be paid by us at closing; you will be responsible for reimbursement of those taxes if you close your account within the first 24 months of account opening. Other standard underwriting criteria apply. Terms and conditions of this offer are subject to change without notice. We reserve the right to withdraw this offer at any time. Contact us for properties outside this area.
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