Personal Loans

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Access to Funds When You Need Them

What is a Personal Loan?

A personal loan is a short-term, secured or unsecured, installment loan or revolving line of credit that caters to your financial needs, such as home improvements, vehicle repairs, medical bills, a vacation, or unexpected expenses. Borrowers receive their loan funds in either one lump sum or as a line of credit.

A secured personal loan is a loan secured by an asset, such as a certificate of deposit, stocks, cash-value of life insurance, or other investment types.

How to apply

Apply online today. Click on the "Apply Online" button below associated with the loan type of interest to you.

Alternatively, visit your local branch or use the "Contact Us" button and one of our retail lenders can assist you with your application.

Got questions?

Call 515-232-5561 and request to speak to a personal loan specialist. Or send your inquiry to our retail lending team using the "Contact Us" button.

Personal Loan Options


Unsecured Personal Loan Easy online application. Fast credit decision. Installment loan. Fixed interest rates, with flexible terms. No collateral needed. Flexibility to make extra repayments. Manage your loan anywhere, anytime with the First National Bank mobile app or online banking. Apply Online	Secured Personal Loan Fast credit decision. Installment loan. Fixed interest rate, with flexible terms. Secured by an investment. (If secured by a vehicle, click here and choose an auto loan application.) Flexibility to make extra repayments. Manage your loan anywhere, anytime with the First National Bank mobile app or online banking. Apply Online

Unsecured Personal Line of Credit Intended for unplanned expenditures (like replacing a major appliance) and emergencies, rather than everyday consumer spending. Revolving line of credit. Borrowers are not required to use the entire credit limit available and should only spend what is needed. Interest payable only on the amount used (withdrawn). Money is withdrawn as needed, until you reach the maximum limit value. No collateral or security needed. Variable or fixed interest rate options. Variable maximum maturity. Monthly payments. Minimal closing cost. Apply Online