Personal Loans


Decisions Made Locally And Quickly.

Home State Bank is proud of our local community banking philosophy, where decisions are made locally, and loans can be approved quickly. Whether you’re planning a vacation, buying a car, sprucing up your home, or dealing with unexpected expenses, we have a loan for you. 

Whether you have established a credit history or you’re just starting out, Home State Bank looks forward to working with you to ensure you receive excellent rates and terms. Best of all, you’ll receive personal service from a local banker you know and trust. 


Home Equity Loans
Borrow against the equity in your home to consolidate high-interest rate credit cards into one easy small payment pay for home improvements, vacations and more.

  • Home Equity Term Loan: This is a fixed rate loan with fixed payments over a fixed term, loan funds are disbursed in a single advance upfront.

  • Home Equity Line of Credit (HELOC): This is a variable rate revolving line of credit, makes funds available as you need them on an ongoing basis.


Vehicle Loans
Home State Bank offers fixed-rate loans on both new and used vehicles, so whether you’re looking for a car, truck, or motorcycle, check with us before you buy. 

We offer competitive rates and terms; we put you in the driver's seat with our quick and easy auto loans.

We offer loans for the following vehicles:

Golf Carts
Jet-Skis (and other watercraft)

Click Here to Apply Online Today! 


Ready Reserve
Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees.  Ready Reserve is a revolving line of credit available through your checking account that enables you to protect your account from an overdraft.  Once approved, these funds will automatically be advanced if you draw your transaction account below a zero balance. 


To Explore Any of These Loan Options, Call or Visit Our Experienced Lenders Today!