Main Content
Select the search type
  • Site
  • Web

pool loans faqs banner image

Skip Text

FAQs - Secured Loans


Q: To apply for a Secured Loan, do I need to live in Texas?

A: Yes, it must be your primary residence.

Q: How do I apply for a home improvement loan with Central Bank?

A: The process is easy, either complete an online application or call one of our loan specialists to discuss programs and answer any questions.

Q: Now that I have applied, what happens next?

A: Your application will be decided within a business day and one of our loan specialists will reach out to you to take you through each step.

Q: Can I use my equity in my home to get a loan?

A: Yes, a secured home improvement loan can use your equity and increase the value of your home.

Q: Is there a penalty for paying the loan off early?

A: There are no pre-payment penalties so you can pay off the loan at any time.

Q: How do you handle the disbursements/draws?

A: Checks are made payable to the homeowners and pool contractor according to the draw schedule and mailed to the homeowners after closing.


Secured Apply Now


FAQs - Unsecured Loans


Q: To apply for an Unsecured Loan, do I have to live in Texas?

A: No, we provide unsecured loans Nationwide through our premier partners.

Q: How long does the loan approval process take?

A: You can apply online in minutes and on average get a decision in 1- 2 business days.

Q: What can I use my funds for?

A: You can use your funds for virtually anything related to improving your home, from a swimming pool to outdoor kitchens, landscaping & hardscaping, even internal improvements like bathroom and kitchen remodels.

Q: Is there a penalty for paying the loan off early?

A: There are no pre-payment penalties so you can pay off the loan at any time.


Unsecured Apply Now


Member FDIC • Equal Housing Lender • ©Copyright 2023 by Central Bank

You are leaving Central Bank's web site.

The web site you have selected is an external one located on another server. Central Bank has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.

Thank you for visiting Central Bank's Web site.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of FIS 2020.