A personal loan or line of credit from Midwest Bank offers financial flexibility, helps cover unexpected expenses, consolidates debt, and may have lower interest rates compared to credit cards, making it a valuable financial tool.

Unlock your financial potential with Midwest personal loans & lines of credit. Our competitive rates and flexible terms provide the funds you need for any purpose—whether it’s home improvement, education, debt consolidation, or unexpected expenses. With our experienced team and convenient application process, securing the funds you need is quick and easy. Plus, our personalized guidance ensures you choose the right option for your unique financial goals.

Personal Loan vs. Line of Credit

Personal Loan

  • Flexible financing for various purposes.
  • Competitive interest rates.
  • Predictable monthly payments.
  • No collateral required for most personal loans.
  • Convenient application and approval process.
  • Ability to consolidate high-interest debt.
  • Opportunity to build or improve credit history.

Line of Credit

  • Flexibility to access funds as needed.
  • Pay interest only on the amount borrowed.
  • Revolving credit line for ongoing financial needs.
  • Quick access to cash for emergencies or opportunities.
  • Potential lower interest rates compared to credit cards.
  • Helps manage cash flow and unexpected expenses.
  • Opportunity to establish or improve credit history.
close up of Chad Hammer, an Executive Vice President and Senior Loan Officer out of York

Let’s Help You Get Started Today!

Our lenders are ready to help you get the financial solution you need to reach your goals. Contact a lender at any of our Midwest Bank branches across Nebraska to get started today.

Benefits to Choosing Midwest Bank

Get to know us

Competitive Interest Rates

We understand not everyone’s situation is the same. We partner with our clients on an individual basis and we’ll work hard to find you the best rates to meet your needs and budget.

Flexible Terms

Your needs are unique and your personal loan should be too. Our lenders will meet with you and work to find the best terms and loan solutions to help you reach your goals.

Local Decisions

That’s the benefit of working with a community bank like Midwest Bank. We’re local, our decision-makers are right here in our branches, ready to help you when you need it.

Trustworthy Partner

Midwest Bank has been serving this area for over 70 years. We’re a trusted partner that you can trust to help you find the right loan or line of credit for you.

Frequently Asked Questions

What does APR stand for and how is it calculated?

APR stands for Annual Percentage Rate. It is a measure of the total cost of borrowing, including both the interest rate and any associated fees, expressed as an annual percentage. To calculate APR, lenders consider the interest rate, loan fees, and the loan term, providing borrowers with a more accurate representation of the true cost of a loan over its duration.

Can I make my loan payment through the Midwest Bank mobile app?

Yes, you can make loan payments conveniently through the Midwest Bank mobile app, offering a user-friendly and secure method to manage your loan obligations from your mobile device. Simply log in to the app, navigate to the payment section, and follow the provided instructions to complete your payment.

What if I don’t want to pay online?

If you prefer not to pay online, you can explore alternative payment methods such as mailing a physical check or money order to Midwest Bank’s designated address, visiting a local branch or payment center, or setting up automatic payments through our bill pay service. Be sure to confirm the available payment options with us to choose the method that best suits your preferences.

We’re Here to Help

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Home Equity Line of Credit

Use your home’s equity to help you tackle an improvement project or finance a major purchase. Leverage the equity you’ve built in your home to help accomplish home improvement projects, pay for education expenses, or use it towards other large purchases.

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Personal Credit Cards

With a variety of different credit card types to choose from, Midwest Bank has the perfect card for you and your family. Our cards can help you gain financial freedom while building your credit and also earn valuable rewards.

Learn more

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