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Personal Loans

Looking for banks that offer personal loans? At Town and Country Bank and Peoples Prosperity Bank, you can get affordable financing for…well, just about anything. Our local lending experts in Central Illinois and Metro East will work with you to tailor a personal loan to your budget. Unlike a credit card, a personal loan is paid out in one lump sum and repaid in regular monthly installments. This makes it easy to include your loan payment in your budget.

A personal loan is just a click away. Apply for a personal loan by contacting us or visiting one of our locations to receive personalized assistance from our local lending team!

Benefits of Applying For a Personal Loan from Town and Country Bank and Peoples Prosperity Bank

  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education and healthcare expenses
    • Personal projects or startups
    • And much more!
  • Repayment terms customized to fit your unique needs
  • Quick, local Central Illinois and Metro East decision-making and processing
  • Detailed, attentive service from start to finish

How do Personal Loans work?

As with other personal installment loans, such as auto financing and fixed-rate mortgages, you’ll need to provide information about your finances and credit history when you apply for a personal loan. Approval and loan terms are based on factors like your income and credit score.

  • Secured by funds established with Town and Country Bank or Peoples Prosperity Bank
  • Potentially lower rates by securing with collateral
  • Keep your savings intact and continue to earn interest
  • Reduce the overall cost of your loan
  • Flexible terms available

Once your personal loan is approved, the principal will be deposited into your checking account within days. It’s easy and convenient to use your personal loan, as funds can be withdrawn just like cash. Within a month, your first payment will be due.

Debt Consolidation

Do you feel burdened by too many loans and/or credit cards with too much compounding interest? Does it seem as if you will never be debt-free? We can help. Qualified applicants can consolidate debt to secure the lowest interest rate possible, or we can explore the possibility of a fixed interest rate.

  • Competitive rates to help manage your debt
  • Reduce stress; make only one payment each month
  • Help build or improve your credit score
  • A wide range of terms, customized to your unique situation
  • Quick, local Central Illinois and Metro East decision-making and processing
  • Detailed, attentive service from start to finish

Loan Fee Schedule


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  • Routing Number: 071123262
  • NMLS# 411614
    Town and Country Bank
  • NMLS# 423128
    Town and Country Banc Mortgage Services, Inc.
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Copyright © 2022 Town and Country Bank All Rights Reserved. An Illinois State chartered banking organization. | Please note that Investments are not a deposit, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

Privacy Policy

Town and Country Bank is regulated by the Federal Reserve Bank of Chicago. For accolades or complaints, please contact us by sending a letter to: Customer Relations Office, 3601 Wabash Ave., Springfield, Illinois 62711. If there is no sensitive customer information, such as social security or account numbers, you can send feedback to the following email address: customerrelations@townandcountrybank.com

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