Financing for What Matters Most
At Lena State Bank, lending starts with a conversation. When you need a little extra support, whether it’s for a car, a home project, or that beach vacation you’ve always dreamed of, you can count on a local team that knows you, understands your goals, and is here to help you move forward with confidence.
We offer a variety of personal loan options to meet different needs and budgets. Whether you're planning something exciting or handling the unexpected, our team is here to walk you through your choices and find the right fit.
Explore the options below to see how we can help.
Our Personal Loan Options
Loan Type | Designed For |
|---|---|
Vehicle Loans | Finance a new or used car, truck, or motorcycle with competitive rates and flexible terms. Loan terms range from 48 to 96 months. |
HELOC (Home Equity Line of Credit) | A revolving credit line based on your home’s equity. Great for ongoing expenses like renovations or education. Borrow, repay, and reuse as needed. |
Home Equity Term Loan | A fixed-rate loan that provides a lump sum using your home’s equity. Ideal for major expenses like home improvements or debt consolidation. |
Personal Loans | Unsecured loan with no collateral required. Use for medical bills, vacations, or debt consolidation. Approval is based on your credit, income, and financial history. |
CD Secured Loans | Borrow against your Certificate of Deposit without withdrawing it. A smart way to build or rebuild credit while securing a lower interest rate. |
Unsecured Line of Credit | Flexible access to funds without using collateral. Draw as needed—ideal as a financial safety net for unexpected expenses. |
Term Loans | Receive a set amount with fixed payments over time. Great for one-time purchases like appliances, weddings, or planned expenses. |
Solar Loans | Specifically designed to finance solar energy systems. These loans may offer favorable terms and may qualify for federal or state energy incentives, helping reduce long-term energy costs. |
Lot Loans | Finance the purchase of vacant land for future use. Requires a larger down payment and additional documentation, especially for undeveloped land. |
Bridge Loans | Short-term loans that help you "bridge" the gap between buying a new home and selling your current one. They provide quick access to funds but usually come with higher interest rates and shorter repayment periods. |