Personal Loans

Explore all the possibilities

Personal Loans

Whether it is a new car, vacation, home improvement, or debt consolidation, we will work with you to find the loan that fits your needs. As a locally-owned bank, all decisions are made with you in mind. If you’re ready to apply, one of our branch managers would love the opportunity to work with you. Give us a call at (605) 335-5200 or send us an email.

Auto

A variety of terms and competitive rates available.

 

Features

New or pre-owned vehicles.


Loan amounts start at $3,000


Terms range from 24 to 72 months


Qualify for a 0.25% rate discount with automatic payments from one of our checking or savings accounts

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Recreational Vehicle

We offer a variety of terms and competitive rates to get you set for adventure.

 

Features

New or pre-owned vehicles


Loan amounts start at $3,000


Terms range from 12 to 72 months


Qualify for a 0.25% rate discount with automatic payments from a First National Bank checking or savings account

Apply Now
Home Equity Line of Credit

Secured by the equity in your primary residence, this revolving line of credit makes money available when you need it.


Revolving line of credit for current and future purchases


Use your credit when you decide


Competitive, variable interest rates


Interest-only payments


Payment flexibility


Interest may be tax deductible*

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Home Equity Loan

Great for one-time financing needs, a home equity loan allows you to use the equity in your home as collateral for a loan to use as you wish.


Lump-sum distribution


Fixed interest rate


Fixed term & terms to meet your needs


Set monthly payments


No prepayment penalty


Interest may be tax deductible*

Apply Now
Personal Lines of Credit

Get fast, easy access to credit when you need it with this revolving line of credit.

 

Features

Loan amounts start at $10,000


Secured or unsecured


Interest-only payment option


1 and 3 year renewal terms


No collateral necessary if unsecured


Payment flexibility


Qualify for a 0.25% rate discount with automatic payments from a First National Bank checking or savings account

Apply Now
Unsecured Personal Loans

For your one-time financing needs.

 

Features

Fixed interest rate


Fixed monthly payments


Loan amounts start at $3,000


12-, 24-, and 36-month terms


No collateral required

Apply Now
Overdraft Lines of Credit - First Reserve

Protect yourself from the ups and downs on income and expenses with this lower-cost alternative to paying overdraft charges.

 

Features

Loan amounts start at $100


First National Bank checking account required


Links directly to your First National Bank checking account


Transfers money automatically**

*Consult your tax advisor.

**Transfer fee applies.

The First National Bank in Sioux Falls is an Equal Housing Lender. Our lending area is within a 50-mile radius of Sioux Falls, South Dakota.

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Use our loan payment calculator to determine what your payment would be.

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