Personal Lending

Turn your financial goals into reality. Whether you're looking to consolidate debt to lower your monthly payments, put the finishing touches on that home improvement project, or financing a big purchase, our personal lending solutions provide the flexibility and  support you need.  

Personal Line of Credit

Access a revolving line of credit that gives you the flexibility to borrow as needed. Only pay interest on the amount you use, making it a flexible and cost-effective solution. Enjoy the convenience of ongoing access to funds without reapplying. 

Line of Credit Benefits

  • Competitive rates and lending terms to fit your needs
    • Enjoy a 1.99% fixed APR for 6 months
    • 16.99% to 22.99% APR variable thereafter*
  • Flexibility - Only pay interest on the amount you use
  • Availability - 24/7 access to the funds you need, when you need them

Personal Loans

Enjoy the security and predictability of a fixed interest rate. Borrow a specific amount up-front and repay it in equal monthly installments. Whether you want to consolidate debt to lower your monthly payments, pay off medical debt or take a vacation, we offer competitive rates and customizable repayment terms.

Account Summary

  • Competitive rates and lending terms to fit your needs
  • Fixed Interest and fixed monthly payments
  • Access to your loan funds up-front 

View our Other Lending Products

Personal Loans FAQs

Personal Loans

Personal loans are a type of loan that let you borrow a fixed amount of money that is distributed in a lump sum. With a personal loan your monthly payments will be the same each month because they offer fixed interest rates and a fixed repayment timeline.

Personal Lines of Credit

A Personal Line of Credit is an unsecured revolving credit line that allows you to borrow money against a preset limit, much like a credit card. Although your monthly payments may change due to the variable interest rates, you pay interest only on the amount you use.

Generally Personal Loans are used for one-time expenditures, like financing home projects, taking care of unexpected expenses, or to consolidate high-interest debt. Personal Loans are typically unsecured, which means they don’t require collateral like a home equity loan, and as a result are accessible to almost anyone.

Personal Lines of Credit are ideal when managing purchases with unclear overall costs, multiple purchases, ongoing use or to cover for life events with uncertain costs. With a Personal Line of Credit, you'll be prepared for uncertain borrowing needs, plus, you'll only pay interest on the funds you're using.

For both Personal Loans and Personal Lines of Credit, the amount you can borrow (your credit limit) is determined by need and credit qualifications such as your income and your credit score.

More info: Understanding, Managing, and Improving your Credit Score

Important Information

* Offer refers to an unsecured line of credit and applies to CO, IA, IL, KS, MO, NE, SD, TX, and WY residents within the lending area. Consumer accounts only. Approval and terms subject to credit qualifications. Some limitations will apply.

After the initial 6-month fixed rate, the APR is variable based on The Wall Street Journal prime rate (“WSP”) plus a margin. The amount of the margin depends on type of relationship, and credit qualifications. As of September 01, 2023, variable rates range from 16.99% to 22.99% APR. Introductory offers may not be combined with any other relationship discounts.

Contact a personal Banker for complete details and additional information. Annual Percentage Rates (APRs) are subject to change without notice. Terms and conditions based on approved credit.