In observance of Memorial Day, all branches will be closed on Monday, May 27, 2019. We will resume all regular business hours on Tuesday, May 28, 2019. 


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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.

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

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 95% of your home’s value!

You can use the Equity Access MasterCard to withdraw money from your home equity line of credit. It’s the card that works just like a Debit MasterCard for purchases and ATM withdrawals; it’s convenient and hassle-free. Unlike credit card advances, HELOC funds accessed with your Equity Access Card are not assessed cash advance fees.

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.

Student Loans

Independent Bank has partnered with Sallie Mae® to offer our customers The Smart Option Student Loan® for borrowers attending degree-granting institutions.*


Learn More & Apply

Scholarship Search Tool

*Independent Bank does not take applications for Sallie Mae Smart Option Student Loans,® which are made by Sallie Mae Bank. Independent Bank is compensated for the referral of Sallie Mae Smart Option Student Loan® customers.

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.

Loan Specials



Find your kind of
with rates as low as:
% / 4.34% APR+

  • Buy a car, boat, RV, or motorcycle
  • Book a vacation
  • Refinance other loans
  • You decide!*

Ask about SWIFTLOAN* same-day closing!

 Apply Now

+84-month term with 700+ credit score. Payment amount of $691.39 based on a 84-month loan for $50,000 at 4.34% APR. Rates subject to change. For additional information about rates, contact your local office. Eligibility for promotional rate requires auto pay from an Independent Bank checking account and is limited to non-real estate collateralized loans that are fully amortized. Bank standard maximum term for collateral applies. Refinances of current Independent Bank loans are ineligible. Borrowers must meet standard qualification criteria, including a minimum credit score of 700. Loans greater than $50,000 will be .25% higher in rate. 

*Does not include Personal Line of Credit, loans secured by real estate, or loans to fund post-secondary educational expenses. Promotion begins May 1 and ends July 15, 2019. Only new Independent Bank loans are eligible for promotional rate. Completed application must be received by 2 pm (ET).