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FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Loans

Make Life Affordable With the Right Financing

At Citizens State Bank, we understand that life brings both planned and unexpected expenses. That’s why we offer a variety of personal loan options to help you borrow confidently.

With competitive rates, clear terms, and a team that understands your goals, we make it easier to borrow wisely and reach your next milestone.

Talk to a local loan specialist to help you find the right personal loan for you.

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Car salesman talking to a couple in a car dealership. 
New Auto Loan

Rate: Fixed*

Maximum Term: 72 months

Maximum Advance: 100% of the invoice

A couple sitting in the trunk of their car, looking out.
Used Auto Loan

Rate: Fixed*

Maximum Term: 72 months

Maximum Advance: 90% of the NADA Average Trade Value

Two men on a speedboat. 
Boat Loan

Rate: Fixed*

Maximum Term: 72 months

Maximum Advance: 80% of the invoice

Parked RV near an outdoor table and body of water. 
Consumer or Recreational Loan

Rate: Fixed*

Maximum Term: 72 months

Maximum Advance: 80% of the invoice (new)

Couple looking over documents together.
Other Loans

Rate: Fixed*

Maximum Term: Varies depending on the appraised value or cost of collateral

Maximum Advance: Varies depending on the appraised value or cost of collateral, whichever is less.

Man working on his laptop and looking at his phone.
Lines of Credit

Rate: Fixed*

Maximum Term: 12 months

Maximum Advance: Varies depending on the appraised value or cost of collateral, whichever is less.

Find Your Ride With a New or Used Auto Loan

Whether you’re in the market for a brand-new car or a reliable used vehicle, our auto loans make the buying process simple and affordable.

With flexible terms, fast approval, and financing options tailored to your budget, you can hit the road with confidence.

Talk to a local loan specialist to find the right auto loan for you.

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A woman smiling as she gets out of her red car.
A family sits on the edge of a pontoon boat fishing.

Hit the Waves With a Boat Loan

Dreaming of weekends on the water? Our boat loans make it possible to purchase the boat you’ve always wanted.

With competitive rates and clear repayment terms, our loan specialists help you navigate the financing process so you can spend less time worrying and more time enjoying the open water.

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Finance Your Life With Flexible Loan Options

Invest in your wants or needs with our variety of personal loans.

Whether you want to take a dream vacation, purchase a special item, or cover an unexpected expense, our loan specialists can walk you through the process and provide personal recommendations for our personal loans or loans of credit.

Find the right fit for your financial goals by visiting a local branch today.

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