Consumer Loans

Home State Bank recognizes the needs of the community and the importance of reinvesting resources back into it. For these reasons, we are proud to offer a full line of personal, auto, and home loan options to qualified borrowers.

Personal / Auto Loans

Whether you are looking to purchase or refinance a car, boat, RV, take a vacation, or complete a personal project, Home State Bank offers personal loans and auto loans to meet your needs.


Advantages of choosing a personal loan or auto loan from Home State Bank:

  • Easy application process
  • Fast, local decision making
  • Flexible options
  • Competitive rates
  • No prepayment penalties
  • Automatic payments available

Safety Check

You can convert your good credit to cash! With an approved safety check application, your checking account will become a personal line of credit. You may write your own loan anytime you need extra money to avoid overdraft charges and embarrassing delays.

Student Loans

Home State Bank has partnered with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.
  • In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn More

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Home State Bank is compensated by ISL Education Lending for the referral of student loan customers.

Home Loans & Refinancing

Whether you are buying or building your new home, or refinancing your current home, let the lending team at Home State Bank show you how simple the process is. We offer a wide range of mortgage solutions to fit your needs.

Home Equity

Do you own your home and need extra money? Whether its home improvements or home repairs, consolidating debt, buying a new car, or funding a family vacation, home equity loans offer an excellent way to borrow.

Consumer Credit Cards

With our VISA Platinum credit card, you get hometown convenience, worldwide acceptance, great benefits, and much more. Let us be your full-service provider.

Apply today


If you have any questions about any of the services we offer, please call us at 877-474-5511 or 712-933-5511, Email us, or stop in to see us during normal business hours.

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