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Private Banking Loans

We offer an exclusive selection of financing options for our Private Banking customers, with preferred terms and greater flexibility to fit your goals.

  • Specialty Financing: Secured and unsecured credit lines with generous borrowing limits and convenient access to funds.
  • Personal Loans: Auto loans, boat loans, and home equity lines of credit with competitive rates and flexible terms.
  • Real Estate Loans: Tailored financing to help simplify the purchase of your next place — or to buy land or start building your dream home.

Explore loan options

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Exclusive financing options

 

Find a loan that fits your unique goals. Designed exclusively for our Private Banking clients, these financing options offer preferred borrowing terms and more flexibility, so you can invest in your quality of life without complicating your finances. A Private Banking checking account is required for all loan types.

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Unsecured Personal Line of Credit

Keep it simple with a flexible credit line that has no collateral requirement. 

  • Competitive interest rates
  • Lines from $25,000 to $350,000
  • 24-month term
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Certificate of Deposit — Line of Credit

Enjoy a lower fixed interest rate by using an existing Simmons Bank CD as collateral.

  • Draw funds as needed or link the credit line to a Simmons Bank Private Banking checking account
  • Credit lines up to the CD’s value
  • Term length based on the CD maturity date
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Marketable Securities — Line of Credit

Increase financial flexibility while staying invested in the market with this cost-effective lending option.

  • Uses marketable securities as collateral (e.g., eligible stocks, bonds, mutual funds, cash)
  • Minimum credit line is $100,000
  • Variable rate and 24-month term
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Auto Loan

Ready for a vehicle upgrade? Count on expert service to guide you through the financing process. 

  • Convenient automatic payment option
  • Competitive interest rates
  • Available for eligible classic cars
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Boat Loan

From relaxing on the water to reeling in the big one, let us help you finance the perfect boat for your favorite pastime.

  • Convenient automatic payment option
  • Available for new and used boats
  • Competitive interest rates
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Lot Loan

Purchase a residential lot for the future construction of your home.

  • For personal residences
  • Lots up to 10 acres (must include utility access)
  • Temporary short-term financing
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Home Equity Line of Credit (HELOC)

Get convenient access to financing secured by the equity in your home.

  • A cost-effective choice for home renovations, major purchases, or unplanned expenses
  • Easy access to funds at any time during your draw period
  • Financing of up to 80% of your home’s value 
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Primary Residence Bridge Loan

Use this convenient short-term loan to help with buying, building or financing your future home while you wait for money from the sale of your current residence.  

  • For current primary residence or home being acquired (includes condos)
  • Temporary short-term financing
  • Minimum loan amount of $25,000
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Construction Loan

This line of credit provides a flexible way to pay for the ground-up construction or major remodel of a new home.

  • For customers seeking permanent financing with a Simmons Bank Private Banking home loan product
  • Financing amounts from $10,000 to $3 million
  • Competitive interest rates and terms
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Land Loan

If you found the perfect spot for hunting, fishing or having your own land to explore or build on, this loan can help make it yours.

  • For the purchase of land that is improved (includes utilities)
  • Flexible loan terms
  • Property must be for personal use (e.g., for construction of a personal residence)
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First Mortgage

Personalized service to guide you through the home-buying process. Take advantage of our Private Banking First Mortgage and make homeownership a reality.

  • Adjustable-rate mortgage (ARM) with flexible term options
  • Initial fixed-rate period (adjusted rates to occur annually)
  • Purchase or refinance available
Find a Private Banker

You have our undivided attention.

As a client with Simmons Bank Private Banking, you can count on a dedicated concierge service for your day-to-day banking, as well as one-on-one support from a Private Banker to assist with all areas of your financial life.

Private Banking Money Market Account

 

Simplify your banking experience and maximize your savings.

Our Private Banking Checking Account holders gain exclusive access to the Private Banking Money Market Account, our strongest money market account!

  • Competitive tiered interest rates

  • $25 monthly service charge is waived{244} with a $25,000+ balance each day of the statement cycle
  • Requires a $25,000 minimum opening deposit as well as a Private Banking Checking account

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A full array of services close at hand.

 

Your Private Banker will also serve as your liaison between our banking groups, connecting you to the resources you need and providing a seamless banking experience.

We help support your personal banking needs, including:

  • Private Banking Checking
  • Private Banking Money Market Account
  • Credit cards
  • Personal loans
  • Home loans
  • Construction loans
  • Home Equity Lines of Credit
  • Wealth Management{169}

If you own a business, we can support your next growth opportunity by connecting you with:

  • Business checking and savings
  • Business credit cards
  • Commercial lending
  • Treasury Management
  • Insurance{169}

  • {252} All accounts subject to approval.

  • {234} Simmons Bank NMLS#: 484633

  • {248} Deposit products offered by Simmons Bank, Member FDIC.

  • {244} A monthly service charge fee of $25.00 will be imposed every statement cycle if the balance in your Private Banking Money Market account falls below $25,000.00 any day of the statement cycle.

  • {169} Investment and Insurance Products are: Not a Deposit | Not FDIC Insured | Not Insured By Any Federal Government Agency | Not Bank Guaranteed | May Lose Value