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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 85% 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

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

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

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

Loan Options

  • Smart Option Student Loan for Undergraduate Students
  • Parent Loan
  • Plus, a suite of graduate loans to pay for expenses included in your school's cost of attendance and designed for your specific degree

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: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

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


© 2018 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.

Tame the Tundra_Lending page CTA_Image_600x450
Rates at a Frosty
2.99% / 3.20% APR+
GET GOING with a great rate!
  • Refi an Existing Auto Loan
  • Buy a New Car or UTV
  • Consolidate Other Loans
  • Make it Yours!


Apply Now!

+The 3.20% APR is based on a  $25,000, 84-month collateralized non-real estate installment loan with a monthly payment of $332.53. Please consult with a lender for details. Eligibility for promotional rate requires auto pay from an Independent Bank account. Borrowers and collateral must meet standard qualification criteria. Borrower minimum credit score of 700. Loans greater than $50,000 will be .25% higher in rate. Promotion begins November 15 and ends December 31, 2020. Only new Independent Bank loans are eligible for promotional rate (refi not eligible). Loan to include standard $175 processing fee. *Does not include loans to fund post-secondary educational expenses or those secured by real estate. Member FDIC.


Judy T.

September 4, 2020

“Kyle Herlein helped me before for my niece. Now he was able to help me for my sister!!! He listened and understood my needs and concerns. He is very valuable to Independent Bank and to me. Thank ...

“Kyle Herlein helped me before for my niece. Now he was able to help me for my sister!!! He listened and understood my needs and concerns. He is very valuable to Independent Bank and to me. Thank you!!!"
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Brenda S.

September 7, 2020

“Always have had above and beyond service. Anyone I've dealt with over the years is top notch.”

“Always have had above and beyond service. Anyone I've dealt with over the years is top notch.”
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Robert V.

September 9, 2020

“I have never had such a great banking experience. Thanks Kristen!”

“I have never had such a great banking experience. Thanks Kristen!”
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