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All information on "Loans". Don't see the answer to your question below? Read another topic, search for a different keyword, or get in touch.

What documents do I need to apply for a loan?

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The information needed to apply for a loan varies depending on the type of loan you are applying for. Most commonly it is 3 years of tax returns and a current personal financial statement (business tax returns will be needed for business loans).

How do I apply for a loan?

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Who can I call with questions about my existing loan?

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You can call your loan officer directly, or call our Customer Service Center at 805 965 5942.

Where do I find the interest rate on my loan?

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Your loan interest rate can be found:

On your promissory note.
On your Loan payment notice.
On your periodic loan statement.
Within online and mobile banking.

How do I know what is due on my loan?

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Your loan payment due date can be found:

On your promissory note.
On your Loan payment notice.
On your periodic loan statement.
Within online and mobile banking.

Where do I find my loan payoff amount?

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It is best to contact us for your loan payoff amount: [email protected] or 805 965 5942

Note: The amount indicated in online banking is not the payoff; In order to payoff and close your loan, please contact us.

Can I see my loan in online banking?

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Yes, your loan will be visible on the homepage of online and mobile banking with your other accounts.

How do I know the due date for my loan?

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Your loan payment due date can be found:

On your promissory note.
On your Loan payment notice.
On your periodic loan statement.
Within online and mobile banking.

Where do I find my loan number?

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Your loan number can be found on:

Loan Payment Notice
Periodic Loan Statement
Loan Documents

How do I make a loan payment?

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Loan Payments can be made as follows:

In-person at any of our locations.
By mail: P.O. Box 329, Santa Barbara, CA 93102.
By phone if paying with an American Riviera Bank account: 805 880 7606
With online and mobile banking if paying with an American Riviera Bank account (Go to Transactions, then Loan Payment).
By email if paying with an American Riviera Bank account: [email protected] (Email loan number, ARB account number, and the amount you would like to pay).

Where can I mail my loan payment?

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Please mail loan payments to us at:

American Riviera Bank
P.O. Box 329
Santa Barbara, CA 93102

You may pick up preaddressed envelopes at any of our branches. Please do not mail cash.

Where can I mail my mortgage payment?

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Please mail mortgage payments to us at:

American Riviera Bank
P.O. Box 329
Santa Barbara, CA 93102

You may pick up preaddressed envelopes at any of our branches. Please do not mail cash.

What types of overdraft protection are available?

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We offer two types of overdraft protection:

Overdraft Transfer (link your checking account to another account that will automatically cover the overdraft by transferring funds);
American Riviera Bank Reserve Line (a personal line of credit that advances funds to cover the overdraft).

Ask an Expert¶

Neil Amarante¶

Senior Vice President, Senior Lending Officer

Send E-mail
805 296 1777
NMLSR: #1659757
Location: Paso Robles

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Ask an Expert¶

Barbara Caballero-Muñoz¶

Senior Vice President, Loan Administration Manager

Send E-mail
805 730 7894
NMLSR: #704126
Location: Santa Barbara

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Contact us¶

Call us during business hours, send an email, or use the form.

Contact Locations & hours

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Customer Support

Customer Support

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Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Ask an Expert¶

Neil Amarante¶

Ask an Expert¶

Barbara Caballero-Muñoz¶

Contact us¶