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PERSONAL & AUTO LOANS

Loans for all your everyday needs.

With competitive rates and flexible payment options, you can count on our team to help you manage your borrowing needs.

All loans subject to credit approval.

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Personal loan

Whether you have an unexpected expense, or just want to cover the cost of a big purchase, personal loans can be used for just about anything.

  • Secured or unsecured - Loans that are unsecured, such as credit cards, do not have any collateral backing the loan. Secured loans, on the other hand, do. A common example of a secured loan is a car loan.
  • Fixed term or revolving line of credit - Term loans, or installment loans, require a specific time period for loan repayment and a specified payment schedule. With revolving lines of credit, you can borrow as much or as little as you need, up to a pre-approved credit limit.

All loans subject to credit approval.

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Auto loan

Need a new set of wheels? We have the loan options that will put you in the driver’s seat. Whether it’s a new or used vehicle we’ll help you with a loan that will fit your budget. We can also pre-qualify you for a loan so, when you find that perfect car, you can act fast.

All loans subject to credit approval.

Loan APR as low as1
$2,500.00 - $7,499.99 11.15%
$7,500.00 - $14,999.99 8.20%
$15,000.00 - $24,999.99 7.25%
$25,000.00 - $34,999.99 6.85%
$35,000.00 + 6.65%

 

1Offer subject to change without notice. Annual Percentage Rate (APR) effective 07/01/2025 - 07/31/2025. Limited terms available. Minimum loan amount $2,500.00. Vehicle must be 2015 model or newer. Loan fees apply. No internal refinances. APR is based on borrower credit history. Actual APR may vary based on loan amount and duration of repayment. Excellent credit history and automatic payment from MidWestOne Bank deposit account are required to receive stated APR. APR will increase by 1.00% if not enrolled for autopay from a MidWestOne deposit account. May not be combined with any other promotional discount offer. Subject to credit qualifications. Contact us for current APRs and details. 

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Powersports Loan

You're one step closer to your horsepower fueled dreams coming true! We offer financing for a wide variety of recreational vehicles:

  • ATV & UTV
  • Boat
  • Snowmobile
  • RV
  • Jetski

All loans subject to credit approval.

Loan APR as low as1
$2,500.00 - $7,499.99 11.75%
$7,500.00 - $24,999.99 8.15%
$25,000.00 - $49,999.99 7.30%
$50,000.00 - $74,999.99 7.05%
$75,000.00 + 6.95%

 

1Rates subject to change without notice. Annual Percentage Rate (APR) effective 07/01/2025 - 07/31/2025. Limited terms available. Minimum loan amount $2,500.00. Vehicle must be 2015 model or newer. Loan fees apply. No internal refinances. APR is based on borrower credit history. Actual APR may vary based on loan amount and duration of repayment. Excellent credit history and automatic payment from MidWestOne Bank deposit account are required to receive stated APR. APR will increase by 1.00% if not enrolled for autopay from a MidWestOne deposit account. May not be combined with any other promotional discount offer. Subject to credit qualifications. Contact us for current APRs and details. 

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family outside of recreational vehicle

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:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Student Loans

All loans offered by ISL Education Lending are subject to credit approval. Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*MidWestOne Bank is compensated by ISL Education Lending for the referral of student loan customers.

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