Personal Loans

Community Focused. Relationship Driven.

Borrowing money is a way to purchase something now and pay for it over time. Our lending decisions are made locally by individuals who live in and understand the uniqueness of Taos County!

Our mission is to serve Taos County and make our community a better place to live and work. Doing business with Centinel Bank allows us to invest back into our community.

Explore our various loan offerings:

Auto and Recreational Loans

Whether it’s getting to work, getting to school, adventuring in beautiful Northern New Mexico, or letting the wind blow through your hair, transportation plays an important role in our daily lives. We provide competitive financing for new or used vehicles.

New Vehicle Loans

Terms available up to 72 months
Competitive interest rates
Additional terms and conditions for vehicles older than five years may apply

Recreational Vehicle Loans

Terms available up to 60 months
Competitive interest rates
Additional terms and conditions for recreational vehicles older than five years may apply

Personal Loans

Unsecured Loans

Terms available up to 36 months

Secured Loans

Terms available up to 60 months
Collateral can be bank certificates of deposit, titled vehicles, real estate, and other personal property.

Our Overdraft Protection Line of Credit (OOPS)

OOPS accounts are like having "extra cash” when you need it - putting an end to accidental overdrafts. Our Overdraft Protection Line of Credit (OOPS) will automatically advance funds to your checking account to cover unexpected overdrafts. All you need is a Centinel Bank checking account and an approved OOPS application.

Let’s Get Started

We would love the opportunity to meet with you and discuss your unique situation. Please contact us to schedule a meeting. At the time of your appointment, please bring a completed and signed Consumer Credit Application in order to expedite the loan review process.

We look forward to meeting with you!