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Personal Loans

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Loans for Life’s Biggest Moments

Family vacations. Your child’s wedding. Home improvements. Unexpected expenses. What do all these things have in common? They likely require more cash than you have on hand. For those big moments, it’s important to have a community lender that you can depend on. Marion County Bank can provide a personal loan with terms and rates built for your specific borrowing needs. You can apply online by clicking the button below. If you have questions, please reach out to our lending team.

*Loans subject to underwriting and credit approval. If you would like to apply in person or via paper application, please contact a Marion County Bank lender.

Learn More Meet Our Lenders FAQs

wedding

Our Personal Loan Options 

Personal Loan Options 

What You Need to Know 

Personal & Vehicle Loans

 Weekly, bi-weekly, monthly, or bi-monthly payment plans can be customized to fit your lifestyle and budget.

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Ready Reserve (Overdraft Protection) 

Eliminate the needless expense and embarrassment of overdrafts with our Ready Reserve loan. Automatic advances are made from your Ready Reserve loan into your checking account when your account is overdrawn. Pay all or part of your Ready Reserve balance at any time, or let Ready Reserve make automatic payments for you each month.

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Home Equity Line of Credit (HELOC) 

Have the flexibility to buy what you need, when you need it! With a HELOC from Marion County Bank your home's equity can work for you.

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Home Equity Loans 

Fix it! Remodel it! Consolidate it! Trade it! Use the equity in your home for convenient, all-purpose borrowing. Benefits include flexible rates and terms, along with the potential tax deductibility of interest (consult your tax advisor for details). Regardless of the purpose of the loan, Marion County Bank’s home equity loans can give you the borrowing power you require, for the things you need.

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Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.

  • A loan option for parents and family members who wish to borrow on behalf of a college student.

  • Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid over-borrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.

  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Marion County Bank is compensated by ISL Education Lending for the referral of student loan customers.

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Frequently Asked Questions (FAQs)

How long until I know if I am approved for a loan?

Once one of our loan officers has received your completed application, a loan decision is usually made within a few hours.

What fees/charges are there for consumer loans?

The only consumer loan fees charged by Marion County Bank are for late payments. A small lien fee is also charged if we are securing the loan with a vehicle title.

Can I get a loan with no credit history?

Obtaining a loan is still possible with no credit history. Each of our local offices has experienced loan officers who will advise on the best approach for beginning borrowers.

What is the difference between a personal loan and a vehicle loan?

Both personal and vehicle loans are considered to be consumer loans and the application process is the same for both. Vehicle loans are for the purpose of purchasing  or refinancing a vehicle. Personal loans can be for a variety of other purposes. Collateral security is often, but not always, required for both loan types.

What is collateral?

Collateral is an asset that you own that you pledge to secure the loan. For personal or vehicle loans, this is often a vehicle that you own. If the loan is not repaid as agreed, the lender can seize the collateral to recover the amount owed. 

If I'm approved to refinance my vehicle loan from another lender, what information will you need?

The Vehicle Identification Number (VIN), and from your lender: a ten-day payoff, your loan account number, and the lender's address.

Meet Our Lenders

Pella Office

Josh Nelson

Josh Nelson

Loan Officer

NMLS: 2264210

Divisions: Lending, Mortgage Lending, Personal Lending

Location: Pella Office

Phone: (641) 628-2191

Contact Me
Trey Sathoff

Trey Sathoff

Agricultural Loan Officer

Divisions: Ag Lending, Business Lending, Lending, Personal Lending

Location: Pella Office

Phone: (641) 628-2191

Contact Me
Danielle Benge

Danielle Benge

Residential Loan Officer

NMLS: 2532282

Divisions: Lending, Mortgage Lending, Personal Lending

Location: Pella Office

Phone: (641) 628-2191

Contact Me

Knoxville Office

Deb Leppert

Deb Leppert

Assistant Vice President, Consumer Loan Officer

NMLS: 858078

Divisions: Lending, Personal Lending

Location: Knoxville Office

Phone: (641) 828-8000

Contact Me
Diane Danner

Diane Danner

Assistant Vice President, Residential Loan Officer

NMLS: 1722437

Divisions: Lending, Mortgage Lending, Personal Lending

Location: Knoxville Office

Phone: (641) 828-8000

Contact Me
Vanessa Szlachetka

Vanessa Szlachetka

Assistant Vice President, Residential Loan Officer

NMLS: 410604

Divisions: Lending, Mortgage Lending, Personal Lending

Location: Knoxville Office

Phone: (641) 828-8000

Contact Me