We offer a number of loan options tailored to meet your needs and budget, from auto and personal loans to home equity loans. Visit an expert at Town and Country Bank to discuss options. Or, call us at 217.787.3100 or toll-free at 866.770.3100.


You can also begin the process by completing a credit application.  Bring the completed application to any Town and Country Bank location or fax it back to us at 217.787.7736, attn: Consumer Loan Department.

Auto Loans

Need a car, boat, motorcycle, watercraft or ATV? We offer favorable terms and competitive interest rates—and we'll tailor the terms to fit your budget.  We have multiple terms to choose from and can loan up to 90% of the NADA clean retail value for refinances and 90% of the purchase price plus all add-ons, such as sales tax, license and registration fees for purchases. 

Personal Loan

For that purchase that is out of the ordinary, Town and Country Bank can assist you in making it happen.  Loans range from $2,000 to $5,000 for well-qualified applicants.

Debt Consolidation

Saddled with multiple loans and looking to reduce the amount of interest you're paying? Town and Country Bank can help. For well-qualified applicants, we can consolidate your debt and make sure you secure the lowest interest rate possible, or we can explore the possibility of a fixed interest rate.

Home Loans

From Mortgages to Home Equity Loans and Home Equity Lines of Credit (HELOC), Town and Country Bank can help.  Mortgages are offered in 10-year, 15-year and 30-year loans.  For more information on these types of loans, please visit our Mortgage Center.

Other Loans 

In addition to the loans mentioned above, we also offer lot, bridge and construction loans.  For more information on these types of loans, please contact our Solution Center at 217.787.3100 or stop in any of our convenient locations.