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You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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Personal Loans

Independent Bank offers customers many ways to finance their dreams through personal loans. 

Our loans can help you pay for your education, buy a new boat or RV, or let you access credit through the equity in your home. We're happy to help, Friend!

Stop by and we’ll help find the product or service that’s best for you, or you can quickly and conveniently apply for personal loans online.

 
Apply for a Loan
View Personal Loan Rates

Our Online HELOC Advance Deposit Payment Center is a convenient way to remit your payments.

Online HELOC Advance Deposit Payment Center

Already have a Personal Loan and need to make a payment?

Make a Loan Payment

Questions regarding your current loan?

If you have questions regarding your account balance, payoff information, or general information regarding your billing cycle, please contact one of our loan servicing specialists at 800.355.0641 and select option 4, then option 5.

If you need to speak with a specialist regarding a past due account, please call 844.279.2748 to speak with a counselor who is trained to assist you.

Personal Line of Credit

A personal line of credit is a pre-approved, unsecured line of credit. When you would like to withdraw funds, complete one of the provided checks. You can use this check to deposit money in an account or pay a third party for a purchase.

Alternatively, you may request the line be used as overdraft protection on your Independent Bank checking account at the time of your application.

With a line of credit, you only pay interest on the amount you use, when you use it.  The line can be paid down at any time and drawn on again up to the credit limit as long as the account remains in good standing.

Unsecured Loan
This is a loan that isn’t secured by collateral, and your ability to qualify is based on how creditworthy you are. It can be a good option for small home improvement projects, and can provide savings if your alternative is a credit card, which almost always carries a higher interest rate than an Independent Bank unsecured loan.
Home Equity Line of Credit (HELOC)

A home equity loan or line of credit will allow you to borrow money secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation and more. Interest may even be tax-deductible. We offer competitive interest rates and, with approved credit, loan amounts up to 90% of your home’s value!

 

Easily transfer funds from your HELOC into your checking account via ONE Wallet, use your Equity Access MasterCard®, visit a branch, or call our Customer Experience Hub

.

Learn More

Boat, Auto, and RV Loans

With our deep roots in Michigan, we understand how important it is to get out on the water or hop in an RV to enjoy our great state. Whether you need a 12’ fishing boat or a 40’ RV, we offer low rates and attractive financing terms. Also, we’re often able to save you money if you refinance your boat or RV through Independent Bank.

We always have great rates on auto loans as well, and we’ll help you get your loan quickly and conveniently. Simply apply online or stop by a branch to speak with a lender.

Learn More

Student Loans

Whether you’re an undergraduate or graduate student
get money for school from Sallie Mae®

Student loans from Independent Bank in partnership with Sallie Mae® could help!

Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate students.

  • Competitive interest rates
  • Multiple repayment options
  • No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

 

Find out which loan is right for you!

 

Learn More & Apply

Scholarship Search Tool

 

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

 

These loans are made by Sallie Mae Bank or a lender partner. Independent Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

 

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

 

1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

 

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

 

© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

 

Student Loan Consolidation Product
We offer student loan consolidation options that allow college graduates to combine all of their outstanding student debt into one easy-to-manage monthly payment. With competitive rates on an unsecured loan up to $50,000, and a fixed term up to 15 years, Independent Bank’s Student Loan Consolidation product is the smart choice for graduates who have completed their degree and have been employed for at least two years.
Certificate of Deposit (CD) Secured Loan

This is a loan that is secured by a certificate of deposit that you own. It’s a convenient and low-cost way to obtain a loan quickly, and it generally carries a lower interest rate than an unsecured loan.

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.

Testimonials

Jennifer K.

March 10, 2023

"Stacie was so helpful to my husband and I in our first big purchase as a married couple. She was patient, knowledgeable and personable."

"Stacie was so helpful to my husband and I in our first big purchase as a married couple. She was patient, knowledgeable and personable."
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Lynne M.

March 23, 2023

"We will most definitely recommend Boomer to family and friends who need loan services. He was very patient and explained everything in detail."

"We will most definitely recommend Boomer to family and friends who need loan services.  He was very patient and explained everything in detail."
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Pamela S.

January 3, 2022

"Mindy went above and beyound to help me get my loan. "

"Mindy went above and beyound to help me get my loan. "
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Katie T.

January 3, 2022

"Patty was absolutely wonderful to work with. This loan was happening right around the Christmas holiday and she was responsive and communicative. I cannot say enough good things about Patty's ...

"Patty was absolutely wonderful to work with. This loan was happening right around the Christmas holiday and she was responsive and communicative. I cannot say enough good things about Patty's service and caring personal manner."
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Bart C.

March 23, 2021

"Mary was extremely helpful. Made the process very easy and fast. Great help with any questions I had."

"Mary was extremely helpful. Made the process very easy and fast. Great help with any questions I had."
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Matthew D.

April 9, 2021

"Both, Matthew and Grant, were very helpful and knowledgeable."

"Both, Matthew and Grant, were very helpful and knowledgeable."
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Shelley K.

March 10, 2021

"Wonderful experience dealing with Lisa. She does a great job! Honest, dependable and very efficient! I would highly recommend."

"Wonderful experience dealing with Lisa. She does a great job! Honest, dependable and very efficient! I would highly recommend."
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Michael F.

April 8, 2021

"Deb is good to work with and does a great job"

"Deb is good to work with and does a great job"
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Cam C.

May 7, 2021

"I was unaware that getting a small loan was this easy! Patty made the process quick and painless, an overall perfect experience."

"I was unaware that getting a small loan was this easy! Patty made the process quick and painless, an overall perfect experience."
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Robert. P.

December 17, 2021

"I could not be more pleased with the the entire experience of working with Gail chambers and Patty Maxbauer"

"I could not be more pleased with the the entire experience of working with Gail chambers and Patty Maxbauer"
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Mike N.

March 22, 2021

"Jennifer was very helpful and more than willing to answer any questions that came up thru the very fast and efficient loan process."

"Jennifer was very helpful and more than willing to answer any questions that came up thru the very fast and efficient loan process."
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Anthony V.

April 23, 2021

"Marvin was wonderful to work with. He was pleasant, prompt, informative, and a trusted advisor."

"Marvin was wonderful to work with. He was pleasant, prompt, informative, and a trusted advisor."
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Christopher & Constance B.

April 19, 2024

"Very friendly and professional."

"Very friendly and professional."
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Robert R.

April 19, 2024

"Wonderful people to work with. Very insightful, courteous, helpful. Answered all question exactly the way I would want ( not beating around the bush) Thank you ladies. Look forward to working with ...

"Wonderful people to work with. Very insightful, courteous, helpful. Answered all question exactly the way I would want ( not beating around the bush) Thank you ladies. Look forward to working with you again in the future."
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