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!


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


Home Equity loans and Lines of Credit 

Use the equity in your home to get access to the cash you need to do the things you want or need to do. Interest rates on home equity loans are often lower than traditional consumer loans. The interest may even be tax deductible. (Always consult with your tax advisor.) 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. 


Contact us

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


  Megan Holcomb

NMLS# 452652
Elmwood Office 715-639-5411
Menomonie Office 715-235-3164


 Elizabeth King

NMLS# 1334848
Roberts Office 715-749-3701
Woodville Office 715-698-2411


 Jamie Van Pelt

NMLS# 1229275
Hudson Office 715-377-7016


 Steve Miller

NMLS# 452650
Hudson Office 715-377-7030
Roberts Office 715-749-3701