lending
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.
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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. |
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. |
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. |
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. |
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:
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:
*Marion County Bank is compensated by ISL Education Lending for the referral of student loan customers. |
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.
Josh Nelson
Loan Officer
NMLS: 2264210
Divisions: Lending, Mortgage Lending, Personal Lending
Location: Pella Office
Phone: (641) 628-2191
Trey Sathoff
Agricultural Loan Officer
Divisions: Ag Lending, Business Lending, Lending, Personal Lending
Location: Pella Office
Phone: (641) 628-2191
Danielle Benge
Residential Loan Officer
NMLS: 2532282
Divisions: Lending, Mortgage Lending, Personal Lending
Location: Pella Office
Phone: (641) 628-2191
Deb Leppert
Assistant Vice President, Consumer Loan Officer
NMLS: 858078
Divisions: Lending, Personal Lending
Location: Knoxville Office
Phone: (641) 828-8000
Vanessa Szlachetka
Assistant Vice President, Residential Loan Officer
NMLS: 410604
Divisions: Lending, Mortgage Lending, Personal Lending
Location: Knoxville Office
Phone: (641) 828-8000
Dianne Danner
Assistant Vice President, Residential Loan Officer
NMLS: 1722437
Divisions: Lending, Mortgage Lending, Personal Lending
Location: Knoxville Office
Phone: (641) 828-8000
