Borrow Smart for Life’s Big Moments
At State Bank, lending begins with listening. When life calls for a little extra support — whether you’re buying a new car, tackling a home improvement project, or finally taking that well-earned getaway — our local lending team is here to help you make it happen.
We offer a range of personal loan options designed to fit your goals and your budget. From planned purchases to life’s unexpected expenses, we’ll guide you through your choices and help you find the solution that works best for you.
Explore the options below to see how we can help turn your plans into progress.
Get started on your personal loan or mortgage application today.
Our Personal Loan Options
Loan Type | Designed For |
|---|---|
Vehicle Loans | Finance a new or used car, truck, or motorcycle with competitive rates and flexible terms. Loan terms range from 48 to 96 months. |
HELOC (Home Equity Line of Credit) | A revolving credit line based on your home’s equity. Great for ongoing expenses like renovations or education. Borrow, repay, and reuse as needed. |
Home Equity Term Loan | A fixed-rate loan that provides a lump sum using your home’s equity. Ideal for major expenses like home improvements or debt consolidation. |
Personal Loans | Unsecured loan with no collateral required. Use for medical bills, vacations, or debt consolidation. Approval is based on your credit, income, and financial history. |
CD Secured Loans | Borrow against your Certificate of Deposit without withdrawing it. A smart way to build or rebuild credit while securing a lower interest rate. |
Unsecured Line of Credit | Flexible access to funds without using collateral. Draw as needed—ideal as a financial safety net for unexpected expenses. |
Term Loans | Receive a set amount with fixed payments over time. Great for one-time purchases like appliances, weddings, or planned expenses. |
Lot Loans | Finance the purchase of vacant land for future use. Requires a larger down payment and additional documentation, especially for undeveloped land. |
Bridge Loans | Short-term loans that help you "bridge" the gap between buying a new home and selling your current one. They provide quick access to funds but usually come with higher interest rates and shorter repayment periods. |