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. Visit our Home Loan Center for more information, to start your application process, or check rates.


Home Equity Lines of Credit

  • Use the equity in your home to:
    • Complete needed home repairs
    • Finance higher education
    • Consolidate debts
  • Purchase a vehicle
  • Or any other projects or purchases you may be considering

A West Plains Bank and Trust Company Home Equity 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.


Consumer Loans

Looking to buy a new car, boat, R.V., or need some extra cash for repairs? We have the right rate and term for you. Auto debit your payment from a West Plains Bank and Trust Company checking or savings account and save a trip to a branch.


Personal Lines of Credit

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

Apply Now

Call or visit a lobby location to talk with one of our loan officers about rates and terms for any of our personal loan products.

multiple houses on a street
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