Consumer Loans

We value our customers, which is why we serve you with a skilled staff of loan officers that will work with you to achieve your lending needs. Whether you're buying a car, remodeling your home or consolidating higher-interest debt, we have a loan that is right for you! Our knowledgeable lenders provide detailed, attentive service from start to finish.

First Mortgages:

At Pioneer State Bank we know that owning a new home is one of life’s most exciting milestones, and one of the largest purchases you will ever make. That’s why we will work with you every step of the way to ensure we find the best mortgage that fits your family’s needs.

Get started by using our Mortgage Calculator to estimate your mortgage payments.

Home Equity Loans & Lines of Credit:

Loans secured by the equity in your home are a great way to get extra funds to remodel your kitchen, buy a new car, consolidate debt, or whatever else you have in mind.

Lot Loans:

Allow you to purchase the land for your future home.

Construction Lines of Credit:

Need funds to build the home of your dreams? Pioneer State Bank is happy to help you build your dream home while you make monthly interest only payments.


Whether you’re looking to lower your monthly payments or make renovations, refinancing your home with us is a great option!

Automobile Loans:

Whether you need to purchase a new car, your first car, or that dream sports car you’ve always wanted, let our Consumer Lenders help you find the right term and rate that best fits your needs.

Personal Loans:

Available for qualified applicants who may not have collateral available to pledge as security.

Jody Helgesen, NMLS# 1231539, AVP Consumer Lender, work 815.246.8411 ext 102

Torie Campbell, NMLS# 1783685, Consumer Lender, work 815.246.8411 ext 104