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Personal Loans

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. There is no restriction on fund usage. Borrowers receive their loan funds in either one lump sum or as a line of credit. 

A secured personal loan is a loan guaranteed by an asset, such as a vehicle title, 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 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. 

Contact Us


Personal Loan Options

Unsecured Personal Loan

Unsecured Personal Loan

  • No restriction on use of funds.
  • 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

Secured Personal Loan

  • No restriction on use of funds
  • Fast credit decision. 
  • Installment loan. 
  • Fixed interest rate, with flexible terms. 
  • Secured by collateral. 
  • Flexibility to make extra repayments.
  • Manage your loan anywhere, anytime with the First National Bank mobile app or online banking.

Apply Online

Unsecured line of credit

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  • Interest payable only on the amount used (withdrawn).
  • Money is withdrawn as needed, until you reach the maximum limit value.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

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