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Personal Lending

At St. Johns Bank, we know that some opportunities come only once in a lifetime.


That's why we offer a variety of loan programs, allowing you to seize life's opportunities without worry. Our loan programs are flexible and can be tailored to meet your needs. Our lenders are open minded and available to meet when it's convenient for you. And as a local, independent bank, our lending decisions are made right here - typically within 24 hours.

At St. Johns Bank, we know your time is valuable, so we've made the credit application process more convenient for you. Simply begin filling out the Personal Credit Application.

Please be aware the Personal Credit Application is NOT a Mortgage Application.


Use a vehicle loan to finance a new or used automobile. We also finance motorcycles, boats, recreational vehicles, jet skis, ATVs, and more.
Visit the Home Equity page to learn more about home equity loans and lines of credit from St. Johns Bank.
If a home equity loan is not for you, perhaps a home improvement loan is what you need. These loans can be secured or unsecured, and the rate is determined by the term. Funds can be used to expand, improve, or repair your home or property.
Visit the mortgage section of our web site to learn more about the various mortgage, and construction.
A secured personal loan is secured by items of value such as savings accounts, CDs, or other securities such as stocks, bonds, or the cash value of life insurance. Funds can be used for anything. The rate is determined by the type of collateral and the amount borrowed.
An unsecured personal loan is a fixed-rate loan that does not require any type of collateral.

Ready to get started?

Stop by any location to pick up a mortgage loan packet or begin by filling out this Secure Online Mortgage Application. Or use one of the helpful financial calculators to work with your own personal mortgage numbers.

Offer of credit is subject to credit approval.