Find the Right Personal Loan for You

Personal Loans That Fit Your Life

Whether you’re consolidating debt, covering unexpected expenses, or making a big purchase, Independent Bank offers the flexibility you need to achieve your goals.

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Auto Loans as low as

6.62%

APR

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Boat & RV Loans as low as

6.52%

APR

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Powersports Loans as low as

6.65%

APR

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Home Equity Line of Credit Variable Rate

6.75%

APR Up to 80.00% Loan-To-Value

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Personal Loan FAQs

Answers to Common Questions About Personal Loans

What information do I need to provide when applying for a personal loan?

You typically need to provide identification, proof of income, employment details, and information about your debts and assets.

What factors affect my eligibility for a personal loan?

Eligibility for a personal loan depends on factors such as your credit score, income, existing debt, and employment history.

How does a personal line of credit differ from a personal term loan?

A line of credit offers the ability to re-advance on the loan, up to a specified credit limit. Both your interest rate and payment amount in our personal line of credit are variable. That contrasts with our personal term loans, which provide funds only at the point you first receive the loan and include a fixed rate and payment amount.

Do personal loan payments include interest and principal?

Yes, term loan payments generally include both principal and interest. Initially, a larger portion of each payment goes toward interest, but over time, more goes toward the principal.

Will my monthly payment stay the same throughout the loan term?

For fixed-rate personal loans, your monthly payment typically stays the same throughout the loan term. Variable-rate loans may have fluctuating payments.

*Loan Rate: As low as 6.49% with auto pay discount / 6.52% Annual Percentage Rate (APR), based on an example of a $100,000 marine loan with a 180‑month term and a minimum credit score of 700. Maximum term is 180 months; however, the type of collateral may limit the maximum term available (for example, automobiles are not eligible for 180‑month financing). Bank standard maximum term for collateral applies. Eligibility for the promotional rate requires automatic payments from an Independent Bank checking account. Standard account opening guidelines apply to new checking accounts. Offer limited to non–real estate, fully amortized, secured loans and excludes loans for post-secondary education expenses. Refinances of current Independent Bank loans are ineligible. Borrowers must meet standard qualification criteria and have a minimum credit score of 700 to qualify for the promotion. A standard $175 processing fee applies to all loans. The promotion is valid for applications dated between April 15, 2026, and July 31, 2026. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Actual annual percentage rates and payment amount may be different depending on your loan term and the amount financed. For additional information about rates, contact your local office. Member FDIC.

**Standard consumer loan underwriting guidelines apply. Annual Percentage Rate (APR). Rate available for well-qualified borrowers. Your rates may vary depending on your specific credit profile.