Personal Loans & Lines of Credit

Conveniently Access Funds for Whatever You Need, When You Need It

Is a beautiful boat, RV or manufactured home calling your name? Maybe it’s time to consolidate your debt, remodel that old kitchen or buy some land to build a new home? Whatever your need, we can help. You can borrow based on the money you already have or use the equity in your home. We have many loan options with a team of experienced lenders to assist you in finding the best solution for your individual needs. Best of all, because we are a family-owned Montana bank, focused only on Montana, we are uniquely positioned to offer:

  • Local decisions
  • Quick approval process
  • Competitive rates
  • Flexible terms
  • A personalized experience you won’t find at larger regional and national banks

Home Equity Financing

Home equity financing can be set up as a loan or a line of credit. With a home equity loan, we advance you the total loan amount upfront, while a home equity line of credit (HELOC) provides a source of funds that you can draw on as needed. The equity in your home is the difference between what your home could sell for and what you owe on the mortgage.

Home Loans

Buying and owning a home is a milestone event! We're here to help you with all of your home loan needs every step of the way. Learn how our home loan experts can assist you with the loan that meets your needs as you begin the journey of buying a house.

A loan is a one time, lump-sum extension of credit for a specific amount that is to be paid back through periodic installments, with an agreed amount of interest.

A line of credit is different in that you are applying to have access to a specific amount of money, which can be used as needed over a period of time.

We offer a wide variety of customized Personal, Business, and Ag loans and lines of credit at competitive rates. The terms of these loans and lines vary, so call or stop in to your local Stockman Bank to find out more information!

A credit score is a three-digit number calculated to indicate your credit worthiness. The higher the score, the more credit worthy you are to a lender. Your credit score is calculated from information in your credit report and takes into account whether you have been making on-time payments, your revolving debt use, length of your payment history, and other such factors. It is important to know that your score does not take your age, income, employment, marital status, or your bank account balances into account.  Enjoy instant access to everything you need to know about your credit with our Online Banking tool, CreditStory. Enroll in Online Banking today!
Consolidating your payments into one loan is a good way to manage your finances. We may be able to help you simplify your multiple payments into one loan. A banker at your local Stockman Bank would be happy to talk with you.