Personal Loans

When you need money, you can depend on First Independent Bank for competitive rates, fast approval and affordable payments on a variety of consumer loan products. And, if you have a First Independent Bank Checking or savings account, you’ll earn a .25% interest rate discount when you auto-debit your monthly payment from your account!



Personal Loans*

Our bankers can work with you to find the loan that best fits your needs and budget.

New Vehicles

You have finally found the vehicle you want. Let First Independent Bank help finance your new vehicle with terms up to 60 months on new automobiles, RVs and boats.

Used Vehicles

Out shopping for a “new to you” vehicle? With financing up to 60 months on used automobiles, RVs and boats, you can find the plan that best suits your needs.

  • For financing options and additional information, contact us today at (417) 678-3333 or come visit with our lending staff!

*Personal Loan Rates and Terms: Fixed rates from 4.524% APR to 45.406% APR (with automatic payment). First Independent Bank rate ranges are current as of March 4, 2022 and are subject to change without notice. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Minimum period for repayment is twelve (12) months, maximum period for repayment is sixty (60) months. Your actual rate and term of your loan will be within the range of rates and terms listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. The First Independent Bank 0.25% automatic payment interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a First Independent Bank savings or checking account.

To check the rates and terms you qualify for, First Independent Bank will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.

The following example depicts the APR, monthly payment, and total payments during the life of a $5,000 personal loan. The personal loan APR rate below is shown with the Autopay Discount (0.25%). Your actual interest rate may be different than the rate in this example and will be based on term of loan, your financial history, and other factors.



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