PERSONAL LENDING

Financing at your fingertips.

Apply for a consumer loan. Online. Anytime.

APPLY ONLINE PERSONAL LENDING OPTIONS

Personal Lending

Whether you're gearing up to invest in your first home or looking for a timely solution to an unexpected expense, the dedicated financial experts at Liberty Bank can help you secure a loan that's precisely suited for your unique needs.

Browse the loans we offer and get answers below.

At Liberty Bank, we've developed our selection of personal lending services to address the diverse needs of our customers. Regardless of your financial situation, we'll help you determine precisely how much you can borrow, along with the interest rate you can expect when borrowing from Liberty Bank. We'll also explore any other options that may be available.

  • Lending Options
  • Lending Q&A

The Freedom Fast Loans are Liberty Bank's unsecured personal loans. Available at amounts up to $25,000, these loans are an excellent choice if you need financing fast.

More about Freedom Fast Personal Loans

  • Available online and on your time
  • An easier way to get the cash you need
  • Get a decision fast — in most cases the same day you apply

Start An Application

You can begin the application process online by clicking here.

If you prefer to apply in-person, click here to find a branch location that is convenient for you.

All loans are subject to credit approval.

PERSONAL LENDING

Automobile Loans

For many, a working vehicle is an everyday necessity. That's why we offer flexible loans with competitive interest rates for both new and used vehicles. Get pre-approved before you head to the dealership.

More about Automobile Loans

  • Loans for new or used vehicles
  • Competitive interest rates
  • Flexible terms

Start An Application

You can begin the application process online by clicking here.

If you prefer to apply in-person, click here to find a branch location that is convenient for you.

All loans are subject to credit approval.

PERSONAL LENDING

Home Equity Line of Credit

This financial solution blends the benefits of a revolving personal line of credit with the effortless access to funds offered by a home equity loan.

More about Home Equity Line of Credit

  • A revolving line of credit to use as you see fit
  • Easy access with special home equity line of credit checks that you can use anywhere checks are accepted
  • Pay interest only when you use the line

Start An Application

You can begin the application process online by clicking here.

If you prefer to apply in-person, click here to find a branch location that is convenient for you.

All loans are subject to credit approval.

PERSONAL LENDING

Home Mortgage Loans

From fixed-rate to adjustable-rate mortgages, we're proud to offer an assortment of loans designed to help you pay for your dream home.

More about Home Mortgage Loans

  • Conventional Fixed-Rate Loans
  • Home Equity Loans
  • FHA Fixed-Rate Loan
  • VA Fixed-Rate Loan
  • Adjustable Rate Mortgage (ARM)
  • Jumbo Loans

Start An Application

You can begin the application process online by clicking here.

If you prefer to apply in-person, click here to find a branch location that is convenient for you.

PERSONAL LENDING

Questions & Answers

Below you will find answers to common questions about Personal Loans and the lending process at Liberty Bank. Click on a question below to reveal the answer.

What Is A Personal Loan?

A personal loan is an unsecured installment loan given to the borrower as a lump-sum payment. Unsecured simply means the loan is not backed by collateral such as a home, boat or car. These loans are typically available from a traditional bank, credit union or online lender, and like other installment loans, are paid back in equal monthly payments with a fixed interest rate.

Unlike credit cards, which tend to have high interest rates, personal loans have a fixed repayment term, so they often come with lower interest rates, especially if you have a good credit score.

What Are Personal Loans Used For?

Personal loans can be used for all sorts of expenses, like debt consolidation, home improvement, auto expenses, medical expenses, credit card payoff, small businesses, or large purchases.

However, the most common personal loan use is consolidating high-interest credit card debt. Often when you take out a personal loan, you can get a lower interest rate than a credit card, make one monthly fixed payment and save on interest by paying your debt off sooner.

Am I Eligible For A Personal Loan?

Since there's no collateral, qualifying for a personal loan is ultimately determined by your credit history, income, other debt obligations and monthly cash flow.

While each lender varies, lenders typically look for a minimum acceptable credit score that falls within a range of 600 to 700+.

What Documents Are Needed For A Personal Loan?

The main reason lenders ask for documentation is to help verify your identity and income. When documentation is needed, typically you'll be asked to provide:

  • Proof of identity, such as a driver's license or another form of identification
  • Proof of income and employment, such as pay stubs and/or bank statements
  • Proof of address, such as a utility bill or mortgage statement