Valley Oak

• No closing costs, no annual fees
• No collateral required
• Preapproval within 24 hours
• Fees: $5
• 100% financing (no cash needed)
• Customer service in Spanish available
• Available to borrowers in Tulare and Madera counties as well as select employee groups in Kings and Fresno counties.

—Energy upgrades (non-solar)

• Loan amount: $1,500 – $50,000
• Term: Up to 15 years