Personal Loan Products

» We offer a wide variety of personal loan products. Please print out the application below, fill in your information, bring it in and we'll get the process started!

The following consumer credit application should not be faxed or mailed to Peoples Bank. Please print the form on paper, fill it out and come by the bank to speak with a qualified loan specialist. Click the link below to download the application. Equal Opportunity Lender. The Bank makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or familial status.

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Personal Loans

Locally owned Peoples Bank specializes in personal service and relationships are important to us. We can help you finance such items as vehicles, household needs, vacations, travel, medical and dental expenses, recreational items and more. We can customize a loan to fit your borrowing need. Competitive rates. Stop in and visit with one of our professional, personable loan officers who wants to go to work for you.

Home Equity Loans

Use the equity in your home to get the funds you need for a variety of purposes. Interest on your home equity loan may be tax deductible (see your accountant or a tax preparer). Loans can be used to finance vehicles, college expenses, home improvements, furniture, travel, and many other needs. Talk to Jordan McKay at 806-794-0044 for more information. He’s very helpful and has the experience to take your home equity loan from start to finish.

Mortgage and Real Estate Loans

Our Peoples Bank Home Loan Center is staffed with experienced, friendly and helpful mortgage loan officers who can help you buy the home of your dreams whether new construction or an existing residential property. We can help you get pre-qualified for the loan that fits your situation. We have the knowledge to guide you through the loan process from start to close. We’ll work to make the entire process as fast and easy as possible. Want to refinance your existing home? We can help with that. FHA, VA, and Conventional loans are available. Call or stop in at our Home Loan Center at 5820 82nd Street in Lubbock. (806-794-0044) We offer local loan officers, local loan processing, local loan closing, and local funding. Offices open 9-5 M-F or anytime by appointment.

Home Construction Loans

Why not build the home of your dreams. We can assist with a loan designed just for your specific plans and needs. From architectural drawings, actual construction, to finish work and even a beautiful landscape plan and installation, a Peoples Bank home construction loan can help you make your dream home a reality. Call or stop by any of our offices to discuss the possibilities. We have experienced professional lenders who know how to set your plans into action to make your dream home the newest house on the block.

Bridge Loans

Need a short-term loan to move into a new home while your former home is waiting for a new owner? We can work with you and make the transition smooth. Contact us to discuss the specifics.

GAP Protection

Most vehicle insurance policies cover only the actual cash value of your vehicle…and this value declines rapidly during the first few years of ownership, beginning as soon as you leave the dealership. This can result in a shortfall or “gap” between your loan balance and the amount your insurance company pays to replace your vehicle. Avoid the financial “gap” between your primary carrier’s insurance settlement and your loan balance including the insurance deductible up to $1,000. For just a few dollars a month added to your loan payment, you can rest and relax knowing the “gap” of those figures is covered. Ask your lending officer for more details.

Credit Life Insurance

This is a valuable product to consider with any loan. It’s a voluntary product, which is offered to Peoples Bank customers to continue the customer’s level of lifestyle by insuring the life or health of a loan customer. In the event of a serious injury or death, the loan may be eligible for payment protection or a full payment of the loan balance. See any Peoples Bank loan officer for full details.

Business Loan Products

Agriculture Loans

We know agriculture and have a deep respect for everyone involved in agriculture. We’ve made a long-term, dedicated commitment to serve agriculture in this region. Give us the opportunity to discuss what we can do to assist you and your Ag operation. We have several agriculture lending professionals with years of experience with farm, ranch, livestock, and farm operating lending backgrounds. Our Ag lenders cover a lot of acres! Our region is centered on production agriculture and our bank has been helping farmers and agri-business families in the good years and not so good years.

Business Loans

We understand the business loan needs of small businesses in our region. We’re here to help you be successful with loan consultations and assistance to make your business be all you dream it can be. Our loan officers have many years of experience and their professional knowledge can be of great help as you grow your business. Call or come by any of our banking locations and visit with any of our friendly loan officers. We’re ready to help you.

Small Business Administration (SBA) Loans

Peoples Bank is a preferred SBA lender. Our experienced loan officers know how to style your SBA loan for quick approval. Low interest rates and the guaranteed backing of the SBA make this an attractive alternative to seriously consider to possibly reduce your interest expense and improve your cash flow goals. Loans are available for many different purposes from inventory to land purchases for a new business location.

Commercial Construction Loans

Growing a vibrant and successful business means growth and growth can mean the need for more space or a new location. Came visit with our professional and experienced loan officers to find out how a construction loan can fit into your growing business plans.

Commercial Real Estate Loans

If you are thinking about a new location or additional location for your growing business, think of Peoples Bank to assist you in your planning and real estate purchase plans. We offer years of vital experience to help you achieve the success you want. Come by or call any of our banking locations and ask for a loan officer to begin discussions toward your real estate needs.