Personal Loans


We’ve Got A Lending Product That’s Right For You.

For the necessities of life. For life’s little extras. And for the unexpected. Personal loans give you freedom and peace of mind. Our rates are competitive and we work with you to create repayment terms that fit your needs.

  • Auto loans — competitive rates on both new and used vehicles
  • Recreational vehicles — boats, RVs, snowmobiles, motorcycles
  • College tuition
  • Home improvement
  • Medical, dental or other unexpected expenses

Whether you’re looking forward to a vacation, home improvements, or some other special purchase, 1st State Bank wants to make borrowing quick and easy for you. That’s why we would like you to take our One-Minute Personal Loan Test. It will help you find out if you’re in a good borrowing position, so you can feel more comfortable about applying for a loan with us. And by taking the test in the privacy of your own home, no one needs to know how you scored but you.

If you score 15 points or more, call us at 989.799.7500 or apply online today. We’ll get back to you right away with the answer you need. (A lower score simply means that we’ll need to work a little harder to try and find a way to give you the loan you want.)