The Hamler State Bank has many loan programs to fit your individual needs. All of our loan decisions are made locally and are based on the financial position and repayment capacity of the borrower, the purpose of the loan and the collateral available to secure the loan.

Personal Loans

Personal loans are available for a wide range of purposes with repayment terms from monthly payments to payable at maturity loans.

Vehicle Loans

Vehicle loans are available for new and used vehicles. New vehicles can be financed for up to five years with shorter-term loans for used vehicles depending on the age of the vehicle. The bank generally will finance up to 67% of the value of the vehicle.

Farm and Commercial Loans

Various loans are available for businesses and farm operations. Lines of credit, generally written for one year, can be used for operating expenses. The loans revolve meaning that funds can be borrowed and repaid repeatedly during the life of the loan. Equipment can be financed for several years.

Real Estate Loans

Real estate loans are available for residential homes, farmland, and business properties. The Hamler State Bank prides itself on the fact that real estate loans are kept "in-house". What does this mean and why does it matter? First of all, loan decisions are made locally by the management and board of directors of The Hamler State Bank. Secondly, local loan servicing means that if you have questions or concerns about your loan, you can sit down and talk directly with the loan officer managing your account. In the unfortunate event that you are experiencing financial hardships, the loan officer is willing to talk with you to develop solutions to help you through a difficult time.

Rates are subject to change at any time. Please call to verify these rates.