Lending money to individuals is an important part of what we do. You’ll discover our wide range of credit products, quick approval process, flexible terms, and convenient repayment options make borrowing easier for you.

• Home Equity Loans
  • Home Equity Line of Credit (HELOC)
  • Fixed Rate Home Equity Loan
• Home Mortgage Loans
• Auto Loans
• Personal Loans
• FAQs – Real Estate
• Loan Terms
• Financial Calculators
• Consumer Credit Center

Since you own your home, our Home Equity Loans are the best way to borrow money for today or tomorrow. Geneva State Bank offers all the benefits of Home Equity Loans plus the quality service provided by the Geneva State Bank staff. Consult your tax advisor regarding the deductibility of interest.

Home Equity Line of Credit (HELOC)

This just may be the last loan you’ll ever need. Use the equity you’ve established in your home to finance the things you want and need.

• Instant credit.
  You can use it whenever you need to, for whatever you choose: investments, automobile purchases, vacations, home improvements, college expenses, appliances, shopping, and anything else!
   
• Apply only once.
  When you use it and pay it off, your line automatically replenishes itself and is ready to use again and again. All without signing loan papers!
   
• Quick Approval.
  Since you already completed your home loan with Geneva State Bank, we already have the paperwork we need!
   
• Flexible Terms.
  Terms include low rates, no points, no annual fees, flexible repayment terms.
   
• Tax deductible.
  Perhaps the best advantage, over consumer loans and credit cards, is the potential for a tax deduction on the interest you pay. Please consult your tax advisor for details.

Fixed Rate Home Equity Loans

Or choose our fixed rate home equity loan, where you borrow a specific amount and make regular fixed monthly payments. These terms can help you plan your budget.

We’re committed to helping our customers with one of the biggest investments of their lives: their homes. You can be sure of the highest quality service – our fast answers, knowledgeable advice, and quick local decision making. Whether you’re building, buying, or refinancing, see us for expert guidance and terms suited to your needs. We want you to own the home of your dreams and will do everything possible to make it happen!

If you already own your home, maybe it’s time to get a lower interest rate on your mortgage or to build that new kitchen, garage or family room with the help of a home improvement loan. We can provide you with the financing you need at a rate you like. Because home ownership is such an important part of our business, we work hard to make sure you are satisfied.

In need of a new car or second car? New..or used, Geneva State Bank can put you on the road with a loan tailored to meet your needs.

We offer quick service, competitive rates and flexible repayment plans to fit your budget. Your payments can be automatically deducted from your bank account each month.

Whether you’re buying a boat, RV, new appliances, remodeling, financing an education, or consolidating bills, we have a loan just right for you. Long-term or short-term, we can customize a loan to fit your individual needs.