First State Bank's Consumer Loans
At First State Bank, our consumer loan options are designed to support a wide range of financial needs. Whether you're planning a purchase, covering an unanticipated expense, or maybe you are finally ready to buy the car you have had your eye on for the last few months, our lending team will work with you to structure a lean that fits your budget and long-term goals. We have a variety of term and rate options to fit your needs.
Ready to Get Started?
Apply online or connect with a local banker to explore consumer loans options tailored to you.
Have Questions?
Send us a MESSAGE or give us a call (940) 668-4347
Apply for a Consumer Loan Today
Online
If you like the convenience of doing everything online from the comfort of your home or office, this option is for you. Applying for a loan with us online is a pretty straightforward process, but we will happily help you out if you need any assistance. Just contact the branch nearest you and we will make sure you get everything set up smoothly.
With a Banker
If you prefer to talk to a person, our friendly and experienced bankers are ready to assist! Contact your local banker and they will gladly walk you through the process.
Consumer Loan Terms
| Interest Rate | Loan Amount | Term | Fees |
|---|---|---|---|
|
11.25%-18.00%
(APR 11.986%-18.757%)
|
$1,500-$5,000 | 6 (minimum) to 30 (maximum) months | $45.00 admin fee No application fee and no prepayment penalty |
Important Disclosures:
Annual Percentage Rate effective as of 9/18/2025.
Subject to Credit Approval. A $45.00 admin fee will be added to the loan amount. No origination or application fee.
Approval process may take longer if additional documents are requested.
A loan amount ranges from $1,500 to $5,000. Repayment terms range from 6 (minimum) - 30 (maximum) months. Interest rates range from 11.25% to 18.00%. The most creditworthy applicants may qualify for a lower rate, while a longer-term loan may have higher rates. The following example depicts the interest rates, monthly payments and total payments available for a $5,000 loan with a 30-month term: interest rate range of 11.25%-18.00%, 30 payments of $191.98 - $208.20 and total Payments of $5,759.29-$6,245.88.
If approved, your loan amount, interest rates and monthly payment may differ from the example based on the length of the term selected, your current income, creditworthiness, and other factors.
We're dedicated to serving you.
Our team is committed to providing quality service with attention to detail and a personal approach.
Whether you’re applying for car loans or evaluating refinancing choices, you can rely on First State Bank for personalized solutions. To learn more, reach out to us or stop by a nearby branch. A local lender can answer your questions about car loans and help you get started.
Customer Service Hours
Monday-Friday: 7:00 am to 11:00 pm
Saturday-Sunday: 9:00 am to 5:00 pm
(940) 665-1711