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Personal Loans


First National Bank & Trust offers a wide variety of personal, (or retail), loans designed to provide you with repayment options tailored to fit your budget at competitive interest rates. We are committed to responding to all loan requests within 24 hours of receiving the application, if not sooner.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a loan secured by a borrower’s real estate, such as a primary residence, second home, camp, or vacant land. The amount available is based on the equity in the property, which is the difference between the value of the property less any liens or mortgages against it. Our HELOC provides the borrower with a predetermined credit limit that can be used any time and for any purpose up to the pre-approved limit. Features and benefits include:

  • Ability to access funds by check, telephone transfer and online.
  • Flexibility to repay principal at any time.
  • Convenience of borrowing any amount at any time for any purpose, up to pre-approved credit limit.
  • Competitive interest rates. 
  • Interest may be tax deductible (consult your tax adviser for further information regarding the deductions of interest and charges).

Closed End Home Equity Loans

A Closed End Home Equity Loan is simply a loan secured by real estate. Unlike a home equity line of credit (HELOC), which is a revolving line of credit, a Closed End Home Equity Loan offers these features and benefits:

  • Full amount of loan is provided to borrower at time of closing. 
  • Fixed interest rate (our rate may be lower than the rate you're paying on credit cards or other debt).
  • Interest may be tax deductible (consult your tax adviser further information regarding the deductibility of interest and charges). 
  • Fixed monthly payment (pre-determined payoff schedule). 
  • No prepayment penalty.

Automobile Loans

Interested in buying a new or used vehicle? Our experienced bankers are committed to providing you with a vehicle loan that is affordable, convenient and has a payment program designed to fit your needs. Our automobile loans are available up to the value or the cost of the vehicle to qualified borrowers. Auto loan features include:
  • Competitive rates and flexible financing options.   
  • Local decision-making. 
  • Same day approval and access to funds.

Personal Loans

First National Bank & Trust offers two types of unsecured personal loans, each with unique features and benefits designed to best suit your needs. The two loan types are our Term Loan and Single Pay Loan. While all loans offer competitive rates, same day approval and access to funds, please see the loan descriptions below for more information on each type.

  • Term Loan is a loan for a set dollar amount payable over a defined term, or period of time. Different terms options available depending on the amount of the loan and normal underwriting guidelines. 
  • Single Pay Loan allows the borrower to repay the loan in one payment. A common use of a Single Pay Loan is for a customer who needs money now but plans to repay the loan in one lump sum, using future incoming funds from a tax refund, bonus or the receipt of funds from another source.

Student Loans

Get the money you need to reach your higher education goals. After considering all your federal loans, scholarships and grants you may still have a gap you need to cover your total college costs.
First National Bank & Trust has partnered with College Ave Student Loans to provide a simple application and a personalized loan experience for undergraduates, graduates and parents.
  • Build a repayment plan that fits your budget
  • Easy online application – instant credit decision
  • No origination or prepayment fees
Applying with a cosigner may help you qualify for the loan and possibly receive a lower interest rate.
For undergraduate, graduate and parent loans:
Refinancing Your Student Loan:
Fixed and Variable Rate Student Loan Refinancing for College Graduates by First National Bank & Trust and College Ave Student Loans
College Ave offers Student Loan Refinancing for graduates. Refinancing your existing student loans can reduce your monthly payment and even the total cost of your loan. Plus, combining multiple loans into one loan can make repayment easier and simplify your life.
  • You may save money with a lower interest rate
  • Simplify your life with one easy monthly payment by combining multiple loans into one single loan
  • Refinance a single loan or several existing loans
Applying with a cosigner may help you qualify for the loan and possibly receive a lower interest rate:
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