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WNB Financial

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Personal Loans

 At WNB Financial, we offer many types of personal loans with convenient financing terms and competitive interest rates. We specialize in customizing your loan to fit your needs.

Start your loan process with our Personal Loan Application below. Click on the Personal Loan Application link, then print and complete the form. You may bring the application to any of our convenient locations, fax your completed form to 507-454-9222, or call 507-454-8800 to talk with a Personal Banker today.

*All loans subject to credit approval.

Installment Loans

We offer financing with flexible terms and competitive interest rates for auto loans, boat loans, and more. If you're purchasing a new or used car, truck, SUV, boat, motorcycle, camper, computer, furniture, etc., or if you're considering a debt consolidation loan, we can personalize a loan to fit your needs. We have experienced lenders to help you determine which loan option is right for you.

For vehicle pricing and information – whether for your existing vehicle or a vehicle you wish to purchase – visit the Nada Guides website.

You have the right to a free copy of your credit report once every 12 months. For instant access to your free credit report, visit

Home Equity Loans

Second Mortgages (also known as Home Equity Loans or Junior Mortgages) are used for many different purposes; from consolidation of debt to home improvements. This type of loan enables you to borrow against the equity you have built up in your home. We offer flexible terms with minimal costs. For more details, please contact a Mortgage Loan Officer.

Home Equity Lines of Credit (HELOC)

We offer several types of Home Equity Lines of Credit (HELOC). These are revolving lines of credit that allow you to decide how much to borrow and when. A HELOC differs from a conventional Second Mortgage. While originating a HELOC, you work with your loan officer to determine a credit limit. You may advance any amount up to the credit limit and you only pay interest on the outstanding balance. Money from the line of credit can be accessed by simply transferring it to your WNB Financial checking or savings account. This type of loan is secured by your home and normally runs for 10 years. HELOCs are not available on non-owner occupied properties. Our lines of credit have a minimum of $1,000 and the maximum is dependent on equity available. For more details, please contact a Mortgage Loan Officer.

Overdraft Line of Credit

Write yourself a loan with an Overdraft Line of Credit. This convenient and expense-saving product operates as overdraft protection and an unsecured line of credit.

  • Requires a personal loan application to be completed, processed, and approved
  • Advances up to a pre-approved limit
  • Automatic advances in $100 increments when checking account falls below $0
  • Payments are automatically deducted from the checking account 10 days after the statement cycle date
  • Access through checking account via check, InfoLine telephone transfer, ATM, and debit card
  • No advance fee
  • Contact our Personal Banking Team for more details
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Business Banking

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WNB Digital

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