First State Bank's Personal Loans
Allow Us to Help You with Your Personal Lending Needs
Thinking About Taking Out a Personal Loan?
At First State Bank, we understand the need for a Personal Loan can arise from a variety of situations. Maybe an unanticipated expense, or maybe you are finally ready to buy the car you have had your eye on for the last few months. Whatever your personal lending needs, our professional, experienced lending team is prepared to customize a Personal Loan just for you. We have a variety of term and rate options to fit your needs.
Ready to Submit an Application?
Have Questions?
Send us a MESSAGE or give us a call (940) 668-4347
Apply for a Personal Loan Today
Online
If you like the convenience of doing everything online from the comfort of your home or office, this option is for you. Applying for a loan with us online is a pretty straightforward process, but we will happily help you out if you need any assistance. Just contact the branch nearest you and we will make sure you get everything set up smoothly.
With a Banker
If you prefer to talk to a person, our friendly and experienced bankers are ready to assist! Contact your local banker and they will gladly walk you through the process.
Personal Loan Terms
| Interest Rate | Loan Amount | Term | Fees |
|---|---|---|---|
|
11.25%-18.00%
(APR 11.986%-18.757%)
|
$1,500-$5,000 | 6 (minimum) to 30 (maximum) months | $45.00 admin fee No application fee and no prepayment penalty |
Important Disclosures:
Annual Percentage Rate effective as of 9/18/2025.
Subject to Credit Approval. A $45.00 admin fee will be added to the loan amount. No origination or application fee.
Approval process may take longer if additional documents are requested.
A loan amount ranges from $1,500 to $5,000. Repayment terms range from 6 (minimum) - 30 (maximum) months. Interest rates range from 11.25% to 18.00%. The most creditworthy applicants may qualify for a lower rate, while a longer-term loan may have higher rates. The following example depicts the interest rates, monthly payments and total payments available for a $5,000 loan with a 30-month term: interest rate range of 11.25%-18.00%, 30 payments of $191.98 - $208.20 and total Payments of $5,759.29-$6,245.88.
If approved, your loan amount, interest rates and monthly payment may differ from the example based on the length of the term selected, your current income, creditworthiness, and other factors.
We're dedicated to serving you.
Our team is committed to providing top-notch service, ensuring all your needs are met with efficiency and a personal touch.
Customer Service Hours
Monday-Friday: 7:00 am to 11:00 pm
Saturday-Sunday: 9:00 am to 5:00 pm
(940) 665-1711