Personal Loans


Decisions Made Locally And Quickly.

Home State Bank is proud of our local community banking philosophy, where decisions are made locally, and loans can be approved quickly. Whether you’re planning a vacation, buying a car, sprucing up your home, or dealing with unexpected expenses, we have a loan for you. 

Whether you have established a credit history or you’re just starting out, Home State Bank looks forward to working with you to ensure you receive excellent rates and terms. Best of all, you’ll receive personal service from a local banker you know and trust. 

Vehicle Loans

Home State Bank offers fixed-rate loans on both new and used vehicles, so whether you’re looking for a car, truck, or motorcycle, check with us before you buy. 

We offer competitive rates and terms; we put you in the driver's seat with our quick and easy auto loans.

We offer loans for the following vehicles:

Golf Carts
Jet-Skis (and other watercraft)

Click Here to Apply Online Today! 

Ready Reserve

Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees.  Ready Reserve is a revolving line of credit available through your checking account that enables you to protect your account from an overdraft.  Once approved, these funds will automatically be advanced if you draw your transaction account below a zero balance. 

Home Equity Loans

Unlock the Possibilities with a Home Equity Loan.  When you take out a Home Equity Loan or Line of Credit, you can use your home’s equity to unlock your dreams.  You can remodel your kitchen, tour the wineries in the south of France, or even enjoy lake life in your new boat.  The possibilities are endless! 


Home Equity Term Loan: This is a fixed interest rate loan that allows you to borrow against your home’s equity for a variety of uses. 

  • May be able to access up to 80 percent of the equity in your home.
  • Various fixed loan terms available
  • Low-interest rates
  • Fixed payments
  • Loan funds are disbursed in a single advance upfront- making it an ideal option for when you have a specific project or expense in mind. 


Home Equity Line of Credit (HELOC): This is a variable rate revolving line of credit secured by the equity in your house.

  • No annual fee.
  • Set credit limit.
  • May be able to access up to 80 percent of the equity in your home.
  • Low-interest rates-lower than most credit cards.
  • Flexibility- borrow only what you need when you need it. 
  • Quick and convenient access to funds both now or into the future through your Home State Bank deposit account. 
  • Does not impact your current mortgage rate or terms.


You have worked hard to build this equity; now, it is your turn to enjoy the many benefits of having a Home Equity Loan.


Contact a Lender Today to Learn About Your Options!



To Explore Any of These Loan Options, Call or Visit Our Experienced Lenders Today!