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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. Choose between secured and unsecured options. 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.


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

We empower our customers to meet their financial goals!

Town and Country Bank and Peoples Prosperity Bank serve and empower local communities in Central Illinois and Metro East, one person or business at a time. From our online My Finance financial planning tool to our Trust and Investment team, Town and Country Financial Corporation specializes in helping our customers feel good about their finances and long-term goals. We are proud to offer a full range of modern banking services, including remote deposit and text banking, all tailored to meet your individual needs. If you’re looking for the best banks for personal loans, look no further than Town and Country and Peoples Prosperity. Apply online or visit one of our 11 offices in Springfield, Buffalo, Jacksonville, Lincoln, Decatur, Mt. Zion, Quincy, Edwardsville, Fairview Heights, and Bloomington.

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. You can also choose between a secured or unsecured personal loan.


  • 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.

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