Personal Loan Products

Home Loans

West Plains Bank and Trust Company offers a wide variety of home loans - fixed or adjustable rate and standard or low down payment options are available. Terms vary from 5 and 7 year balloons to 40 year fixed rate mortgages. There are also one year adjustable rate loans available with amortizations from ten to twenty-five years. Visit our Home Loan Center to start your application process or check rates today.

Home Equity Lines of Credit

Use the equity in your home to:

• Complete needed home repairs
• Finance higher education
• Consolidate debts
• Purchase a vehicle

West Plains Bank and Trust Company's Home Equity Line of Credit offers you the ability to do any of these. This line of credit offers low monthly payments and the ability to use the funds over again as you pay back principal. Interest may be tax deductible. Consult your tax advisor.

Construction Loans

Are you ready to build the dream home you have always wanted? Let West Plains Bank and Trust Company help with our competitive terms and rates. Our construction loans allow you the ability to draw funds as you need them through the construction process. Once completed, we can help you set up permanent financing to meet your needs.

Installment Loans

Looking to buy a new car, boat, R.V., or need some extra cash for repairs? We have the right rate and term just for you. Auto debit your payment from a West Plains Bank and Trust Company checking or savings account and you won't have to worry about making it in to make your payments on time.

Personal Lines of Credit

West Plains Bank and Trust Company Checkmate or Preferred Credit can help you avoid overdraft charges or returned checks again. These products will automatically transfer funds to cover shortages in your checking account and prevent overdrafts.

Call or visit one of our loan officers to find out more about rates and terms of any of our personal loans.