Consumer Loans

Are you Considering A Loan?

Life is full of changes and Citizens State Bank invites you to come talk with us about how we can help you through those changes. Whether your need is a new vehicle, home improvement, college financing, debt consolidation or a much needed vacation, our loan officers are anxious to talk with you.

Citizens State Bank offers a variety of secured or unsecured installment loan options with varying terms to fit your needs. We offer competitive rates with flexible repayment plans including a .25% rate discount for choosing automatic payment from your Citizens State Bank checking or savings account.

We Lend the Local Way!

When you come to Citizens State Bank for your borrowing needs you'll experience the local advantage that only a Real Community Bank can offer. Our loan officers are local people who understand the economy of the Sheldon & Boyden area, and who care about your financial needs. Your loan application will NOT be sent to an out of town office where people who you don't know and who don't know you make your credit decision. Instead, your application will be considered right here by the loan officers you know and trust. We'll make the lending decision quickly, because we know that your time is valuable. We're helpful people ready to help you.

Visit with Travis Klein, Mike Schmalen, Dan Matus, Madisen Winkel or Kyle Boerhave in Sheldon or stop in to our Boyden office and talk with Riley Niemeyer and see how a Citizens State Bank installment loan can benefit you.

Auto Loan Help

If you're considering the purchase, sale or trade-in of a new or used vehicle we offer you our Auto Loan Calculator as you consider payments and prices and encourage you to visit the following links as a reference: