Consumer Loans

We value our customers, which is why we serve you with a skilled staff of loan officers that will work with you to achieve your lending needs. Whether you're buying a car, remodeling your home or consolidating higher-interest debt, we have a loan that is right for you! Our knowledgeable lenders provide detailed, attentive service from start to finish.

First Mortgages:

At Pioneer State Bank we know that owning a new home is one of life’s most exciting milestones, and one of the largest purchases you will ever make. That’s why we will work with you every step of the way to ensure we find the best mortgage that fits your family’s needs.

Get started by using our Mortgage Calculator to estimate your mortgage payments.

Home Equity Loans & Lines of Credit:

Home Equity loans and lines of credit can help you make the most of your home’s equity you’ve established since purchasing it. Loans secured by the equity in your home can provide the funds for many things:

  • Buy your dream car
  • Fund the relaxing beach vacation you have been talking about for years
  • Provide your daughter with a fairy-tale wedding she has always hoped for
  • Build the dream kitchen you’ve always wanted
  • Consolidate multiple loans/ credit cards
  • Pay for college expenses

Home Equity Loan:

A Home Equity Loan allows for you to use the equity in your home to finance large projects/purchases. This loan has a fixed interest rate for the life of the loan.


  • Fixed monthly payment for the life of the loan
  • Best for a large, single purchase or a specific amount
  • Automatic payment options
  • No annual fees
  • Lower rates than a personal loan
  • Interest may be tax deductible (check with your tax advisor)

Home Equity Line of Credit:

A Home Equity Line of Credit allows for you to use the equity in your home to finance large projects/purchases. This loan is a line of credit which means you only pay interest on what you use.


  • Best for multiple purchases or ongoing projects
  • This is a reusable source of credit – you can pay it down and then borrow again
  • No closing costs or annual fees
  • Interest only payments required each month; you may repay principal at your convenience, within the terms of the line of credit
  • Interest may be tax deductible (check with your tax advisor)

Lot Loans:

Allow you to purchase the land for your future home.

Construction Lines of Credit:

Need funds to build the home of your dreams? Pioneer State Bank is happy to help you build your dream home while you make monthly interest only payments.


Whether you’re looking to lower your monthly payments or make renovations, refinancing your home with us is a great option!

Automobile Loans:

Whether you need to purchase a new car, your first car, or that dream sports car you’ve always wanted, let our Consumer Lenders help you find the right term and rate that best fits your needs.

Personal Loans:

Available for qualified applicants who may not have collateral available to pledge as security.

Jody Helgesen, NMLS# 1231539, AVP Consumer Lender, work 815.246.8411 ext 102

All loans are subject to approval. Fees may apply. Consult your tax advisor regarding any tax deductibility.