Use your home's equity for your next big purchase!

It’s easy to envision where you want to go with a Home Equity Loan or Line of Credit from Quad City Bank & Trust. Access the equity you have in your home to pay for virtually ANYTHING - vehicles, weddings, remodeling projects, vacation, unexpected costs, or consolidating your debt. Unlike credit cards, the interest you pay on your Home Equity Loan may even be tax deductible.¹

_{¹You should consult your tax advisor concerning interest deductibility.} 

Fixed Rate Home Equity Line of Credit³

A Home Equity Line of Credit offers flexibility as it allows you to borrow money as you need it using your home as collateral. Other benefits:

• Low payment options available² 
• No standard closing costs³
• Fixed rate is locked in for the full 66-month term 
• Ability to borrow up to available line of credit, as needed
• Principal reduction payments may be made as often as you choose, with no prepayment penalty

_{¹Annual Percentage Rate. Rate is accurate as of July 1, 2024 and is subject to credit approval. ²The minimum monthly loan payment required is an interest-only payment based on the outstanding principal balance of the line of credit. If this payment schedule is followed, the loan will not be paid in full maturity, which is typically 66 months, and a final balloon payment will be necessary to repay the debt. Principal reduction payments may be made as often as you choose, with no prepayment penalty. Subject to final credit approval. The maximum HELOC amount is 90% of the home's value, including any existing liens. ³QCBT will pay all standard closing costs for our 66-month fixed rate HELOC. An example of an additional cost - if QCBT needs to order a property evaluation beyond out standard practice.} 

Variable Rate Home Equity Line of Credit³

A Home Equity Line of Credit offers flexibility as it allows you to borrow money as you need it using your home as collateral. Other benefits:

• Pay no standard closing costs⁴
• Ability to borrow up to available line of credit, as needed
• Variable interest rate
• Interest-only monthly payments
• Principal reduction payments may be made as often as you choose, with no prepayment penalty

_{²APR = Annual Percentage Rate. Rates offered as of October 11, 2023. Rates are subject to change without notice. ³Subject to final credit approval. The maximum HELOC amount is 90% of the home’s value, including any existing liens. ⁴QCBT will pay all standard closing costs for our 66-month HELOC.  An example of an additional cost - if QCBT needs to order a property evaluation beyond our standard practice The minimum monthly loan payment required is an interest-only payment based on the outstanding principal balance of the line of credit. If this payment schedule is followed, the loan will not be paid in full at maturity, which is typically 66-months and a final balloon payment will be necessary to repay the debt. Principal reduction payments may be made as often as you choose, with no prepayment penalty.} 

Home Equity Loan³

A Home Equity Loan offers reassurance as you can borrow a fixed amount with fixed terms, secured by the equity in your home. Other benefits:

• Money is received in one lump sum
• Fixed interest rate with a fixed term
• Fixed monthly payment (principal and interest)
• Principal reduction payments may be made as often as you choose, with no prepayment penalty

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 loan, and a term of 66 months at 8.25% APR, the monthly payment will be $378.37

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 loan, and a term of 120 months at 8.59% APR, the monthly payment will be $245.73

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 loan, and a term of 60 months at 8.51% APR, the monthly payment will be $194.49

_{²APR = Annual Percentage Rate. Rates offered as of October 11, 2023. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. ³Subject to final credit approval. The Maximum Home Equity Loan amount is 90% of the home’s value including any existing liens.}

Apply online, by phone, or come to one of our convenient locations.

Please note: Quad City Bank & Trust originates loans in the following counties - Scott County, IA and Rock Island County, IL. If you reside outside of these counties, please contact Customer Care at 563.388.QCBT and ask to speak with a loan officer. 

Buy your dream car or refinance the one you own

Quad City Bank & Trust has a variety of financing options to meet your needs. Contact an Account Executive at 563.388.7228 for details or use our online loan application to get started today!

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, and a term of 84 months at 7.24% APR, the monthly payment will be $304.21.

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 72 months at 7.44% APR, the monthly payment will be $345.22

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 60 months at 7.84% APR, the monthly payment will be $404.00

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 auto loan, with no money down, and a term of 36 months at 9.84% APR, the monthly payment will be $643.84

100% financing available. 
_{* APR = Annual Percentage Rate. Rates offered as of October 11, 2023. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

Get out and play! We have financial options for all the toys: Motorcycle, Boat, Camper, and RV!

Quad City Bank & Trust has a variety of financing options to meet your needs. Contact an Account Executive at 563.388.7228 for details or use our online loan application to get started today!

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 84 months at 8.49% APR, the monthly payment will be $316.63

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 72 months at 8.69% APR, the monthly payment will be $357.44

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 60 months at 9.09% APR, the monthly payment will be $416.04

Payment example for borrowers with a credit score of 720 or higher: For a $20,000 recreational vehicle loan, and a term of 36 months at 11.09% APR, the monthly payment will be $655.63

100% financing available. 

_{¹ APR = Annual Percentage Rate. Rates offered as of October 11, 2023. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

Apply for a Personal Loan with Quad City Bank & Trust

Payment example for borrowers with a credit score of 720 or higher: For a $5,000 loan, and a term of 60 months at 11.49% APR, the monthly payment will be $109.94

_{¹APR = Annual Percentage Rate. Rates offered as of October 11, 2023. Rates are subject to change without notice and may vary depending on credit qualifications and term of the loan. Subject to credit approval.}

_{* Base rate equals prime rate as published in The Wall Street Journal.  Personal Line of Credit is a revolving line. The minimum payment is interest only.  The APR may vary. Terms and conditions are subject to change without notice.}

_{*Base Rate equals prime rate as published in The Wall Street Journal. Quad City Line of Credit is a revolving line of credit attached to a Quad City Bank & Trust checking account. Advances in multiples of $50.00, up to the credit limit, are deposited into the checking account at the request of the borrower or whenever the checking account is overdrawn. The minimum payment is 5% of the outstanding loan balance or at least $15.00. The borrower will receive an itemization of the Quad City Line of Credit activity with the checking account statement. If the borrower does not pay at least the minimum payment by the fifteenth day after the statement date, the minimum payment will be withdrawn from the checking account. Request a Quad City Line of Credit Agreement for details.}

Please note: Quad City Bank & Trust originates loans in the following counties - Scott County, IA and Rock Island County, IL. If you reside outside of these counties, please contact Customer Care at 563.388.QCBT and ask to speak with a loan officer. Our toll-free number is 1-866-676-0551.