Personal Loans

Experience a hassle-free lending process at Citizens State Bank. Our lending experts help you get the right loan for your situation. All underwriting and servicing of our loans stays local, this means you get the personal attention you deserve. 

We offer personal loans for things like:

  • Vehicles
  • Boats
  • Recreational vehicles
  • Vacations
  • And more!

Who to Contact

For personal help with all your loan needs, select to meet with one of our knowledgeable bankers or if you prefer to have them contact you, complete the contact us form.

Maria Machtemes - AVP Retail Banking - NMLS# 1637894 - 715-3877-7004 -

Tava Ellingson - Relationship Banker - Hudson Office - 715-377-7015 -

Cheryl Lindquist - Relationship Banker - Woodville/Elmwood Offices - 715-245-2785 (Woodville) - 715-670-3074 (Elmwood) - 

Amanda Novak - Relationship Banker - Menomonie Office - 715-235-3164 -

April Cook - Relationship Banker - Roberts Office - 715-749-3701 -

Refinance Existing Loans

Lowering your rate or reducing your term may be an easy way to save money. We can help you see the difference, so you can make the choice that is right for you. Inquire here

Installment Loans 

A traditional installment loan might be right for you. We can help you understand your options and find the installment loan that works best for you. Inquire here

Overdraft Protection

This is a no-stress loan option to protect yourself if you overdraw your checking account. Inquire here

Sallie Mae's Smart Option Student Loan 

For college expenses not covered by scholarships and federal loans, Citizens State Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Click here to apply and learn more.