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Personal Loans

Auto, Home Equity and more

When the time comes for a new (or used) car, you’re ready to add that long awaited addition to your home or take that dream vacation... a personal loan from KS StateBank can help make it happen.

Personal Loans include Auto Loans and Home Equity options, but we lend for all sorts of reasons. Regardless of what you need, give us a call today to see if we can help!

Auto Loans

We have loans on wheels! 

With an easy application and fast approval, you can be on the road in no time. Our Auto Loans have flexible terms and no penalties for early payoff. Get pre-approved before you go shopping, and benefit from having negotiating power at the dealership!

How to apply for an Auto Loan:

  • Complete and sign the application.
  • Securely email your application to using our Confidential Email system.
    • Note: It's important to use our Confidential Email system to when emailing your application in order to protect your information.
  • You can also drop off your application at the nearest KS StateBank branch or mail it to us at:

KS StateBank Consumer Lending
1010 Westloop Place
Manhattan, KS 66502 

Home Equity

If you own a home, one of the best financial tools you have available is the equity that you have in that home.

Equity is created when your home’s value exceeds the amount you owe on your home loan. By using that equity, you can make home improvements, consolidate debt, pay education expenses, and more.

KS StateBank offers two types of Home Equity programs: Home Equity Lines of Credit (HELOCs) and Home Equity Loans. Both have their own advantages, and you can put either one to work almost immediately.

Home Equity Line of Credit

With a HELOC from KS StateBank, you are able to establish a maximum line of credit amount, and have the ability to draw from that amount for whatever you need, whenever you need it. It’s nice for short-term expenses, because you only pay interest on the amount you’re currently using.

  • Competitive rates
  • Adjustable rates
  • Easily draw on your line of credit by making transfers through Online Banking or visiting with your lender for an advance into your checking account
  • Interest may be tax deductible (consult a tax advisor for more information)

Home Equity Loan

For larger, long-term expenses, a Home Equity Loan from KS StateBank is a great solution. If you’re looking to make home improvements or consolidate debt, this fixed rate loan allows you to use your equity while ensuring you know exactly what your monthly payments will be and when your loan will be paid off.

  • Terms available up to 15 years
  • Competitive rates
  • Fixed rate loans up to 85% of your home’s value, less any existing mortgages
  • Adjustable rate loans
  • Interest may be tax deductible (consult a tax advisor for more information)


  • Get it on Google Play
  • Available at Amazon
  • Download on the Apple App Store

External Link Disclaimer

KS StateBank has no control over information at any site hyperlinked to or from this site. KS StateBank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The privacy and security policies of the hyperlinked site may differ from that of KS StateBank. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by KS StateBank of any information in any hyperlinked site. KS StateBank bears no responsibility for the accuracy, legality, security measures, or content of the hyperlinked site or for that of subsequent links. User agrees to read and adhere to the policies and terms of use applicable to hyperlinked sites. Contact the external site for answers to questions regarding its content.

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Email Disclaimer

NOTICE: Because there is a risk that information transmitted via internet email could fall into the wrong hands, KS StateBank recommends that confidential information, such as account numbers, social security numbers, or other identifying information, not be transmitted via email. Instead, please contact KS StateBank directly at your nearest bank branch, or use our secure KS StateBank message center. It is your responsibility to ensure that communications via internet email are virus free. No responsibility is accepted by KS StateBank for any adverse consequences, or violation of any law or regulation, resulting from your use of internet email.

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