Personal Loans

Auto

Citizens State Bank is here to help you find your perfect loan solution with individual attention, for competitive rates and local decisions contact us today.

Other Loans

Invest in your wants or needs with a personal loan – take a dream vacation, purchase a special item or pay for an unexpected expense. Our Loan Specialists will provide you with individual attention to help you choose from our personal loans and lines of credit.

Citizens State Bank is your Local Lender

Loan Details

New Auto*

Rate: Fixed
Maximum Term: 72 Month
Maximum Advance: 100% of the invoice

Consumer/Recreation

Rate: Fixed
Maximum Term: 72 Month
Maximum Advance: 80% of the invoice (new)

Used Auto*

Rate: Fixed
Maximum Term: 72 Month
Maximum Advance: 90% of the NADA Average Trade Value**

Other Loans

Rate: Fixed
Maximum Term: Varies depending on the appraised value or cost of collateral
Maximum Advance: Varies depending on the appraised value or cost of collateral*
*Whichever is less.

Boat

Rate: Fixed
Maximum Term: 72 Month
Maximum Advance: 80% of the invoice

Lines of Credit

Rate: Fixed
Maximum Term: 36 Month
Maximum Advance: Varies depending on the appraised value or cost of collateral*
*Whichever is less.

HAVE QUESTIONS ABOUT YOUR PERSONAL LOAN?

It’s natural to have questions about the loan process and outcomes. The brief FAQs below will help answer your questions; however, if not, feel free to contact one of our Loan Specialists. They will be happy to help you in any way possible.

How do I estimate how much I might be able to borrow?

There are several ways to gauge how much you might be able to borrow. Our simple loan calculator can help for basic loans – click here. Or our auto loan calculator can help you determine monthly payments based of the amount you need to borrow – click here. Or contact one of our seasoned and knowledgeable Loan Specialists. They’ll be happy to discuss your options with you and answer any questions you have.

Can I pre-qualify for a loan?

Pre-qualification can be a complicated process. In order to make your life easier we offer personalized consultations to determine how much you can borrow. Contact one of our Loan Specialists.

What fees are involved?

There is a $100.00 administration fee on all personal loans in addition to all costs incurred on your behalf. If you have any questions in regards to these fees please contact one of our Loan Specialists.

What rate will I be offered?

The rate you will be offered is based on the type of product you’re applying for, your credit score and other financial information. Without this data we cannot estimate the rate you will qualify for. If you would like a more information, please contact one of our Loan Specialists.