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Western State Bank

Personal Loans

Go ahead and dream! Western State Bank has loans for almost anything and can turn your dreams into a reality. You’ll receive quick approval response at Western State Bank because all of our decisions are made locally. Contact a Personal Banker today for more information on our flexible terms and competitive interest rates. For planned or unexpected purchases, Western can provide financing with great rates for you.

We offer a variety of loans for whatever your needs may be:

  • Consumer Loans

    For planned or unexpected purchases, Western can provide financing with great rates

    • Personal interests such as a vacation, home theater system or a pool
    • Loans for medical expenses, consolidation of bills or unexpected expenses
    • Purchasing or refinancing the vehicle of your dreams
    • Recreational vehicles such as ATVs, boats, snowmobiles, motorcycles, etc.
    • Finance your educational dreams through Great Lakes, our student loan connection.

    Apply today for a consumer loan from Western.

    NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo, West Fargo, North Dakota, or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

     
  • Home Equity Loans

    Use the equity in your home for home improvements, a dream vehicle, consolidate bills, finance education, take a vacation and more! With a Home Equity Loan you can:

    • Save money by financing at a lower interest rate
    • Your interest may be tax deductible (consult your tax advisor)

    Apply today for a Home Equity Loan.

    NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo, West Fargo, North Dakota, or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations, unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

     
  • Home Equity Line of Credit (HELOC)

    A home equity line of credit can be used for any purpose. The line is accessed online and/or phone transfers. Benefits of the HELOC include:

    • Save money with lower interest
    • It's a readily available, reusable source of cash - pay down and borrow back!
    • Convenience of knowing you can use the funds when necessary
    • Your interest may be tax deductible (consult your tax advisor)
    • You choose which payment option works for your lifestyle
    • Payments may decrease as you repay the loan

    NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo, West Fargo, North Dakota, or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations, unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

     
  • Home Equity Flex

    Western's Home Equity Flex gives you a revolving line-of-credit with the flexibility to convert all or part of your remaining line balance to a fixed-rate loan. By locking in a portion of your line as a fixed-rate loan, you won't have to worry about rising interest rates. Payments reduce the principal which allows you to use your line again! Benefits of the Home Equity Flex include:

    • Interest-only payment on the home equity line
    • Option to convert all or a portion of account balance into a fixed-rate loan within the line
    • Choice of fixed rate loan terms
    • No need to reapply to fix your rate
    • Online access through Online Banking
    • Interest may be tax deductible (consult tax advisor)

    Use the equity you’ve built in your home!

    NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo, West Fargo, North Dakota, or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations, unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

  • Instant Credit

    Western can cover you for those times when you need it. Avoid overdraft fees with Instant Credit.

    If you write a check for an amount that's more than you have in your checking account, Instant Credit automatically advances funds on your pre-approved line of credit to cover the checks.

    Contact a Personal Banker for details on how to apply for these services.

     

 

Stay Connected!

Western State Bank will be closed Monday, May 29, in honor of Memorial Day. Normal business hours will resume on Tuesday, May 30. Have a safe & happy Memorial Day weekend!