Online Banking Users: We have updated our online banking login. When you click the "Online Banking" button in the upper right corner, there is no longer a pop-up window. It now links directly to our login landing page instead.

Personal Loans

Loans Designed to Fulfill Your Specific Needs

Did you know we have low rates on our consumer loans? Loans you can use to lower the payment on a current loan or to purchase a car, truck, SUV, RV & camper, boat, home appliances, credit card debt consolidation, and more! 

Interested in a student loan? We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. Learn More about Student Loan options.

Vehicle Loans

Applying for a Vehicle Loan

Whether you're a first time buyer looking for advice or a seasoned pro, we are ready to help! Choose an option that works best for you:

Option #1 | Apply for Pre-Approval at First Citizens Bank

This is a great option for a vehicle loan, especially if you're still shopping around and haven't settled on a particular car yet. With a pre-approval, you'll have a budget and terms taken care of which means you can talk about a car's price rather than monthly payments and financing.

Option #2 | Find a Vehicle, Then Visit With Us

If you've got a specific car picked out, visit with us! Contact us at 800-423-1602 to make an appointment to visit with our staff about current rates and loan options at any of our offices.

Frequently Asked Questions
  • How do I go about getting pre-approved for a vehicle loan? Simply apply online or in person for an auto loan and give a best estimate of the amount you are looking to spend. From there the lender will review and either approve, counter, or deny the application based on the amount. Final approval will require collateral review, but an initial approval can be offered to allow a customer to go shopping with confidence.
  • Why is it better to get a loan with First Citizens than with a dealer? First Citizens Bank will offer you a local personal experience with the entire auto loan purchase and life of the loan. Using the dealer ends when you drive off the lot for most. Your bank will be there for the entire relationship.
  • How does the whole vehicle loan process work when getting it from First Citizens? You start with the application, conditional approval, purchase, and loan closing. If you are buying from a dealership we would like to get the purchase agreement or bill of sale. If purchasing from a private party we encourage the buyer to see a copy of the title before finalizing the purchase. This helps the buyer know if the title is salvaged or reconstructed. If you are looking for a pre-approval we can give you a letter to take with you to the dealership to offer an added level of comfort and buying power as you move through the buying process.

Home Loans

Home Loan Options

Whether you’re buying your first home or building your retirement home, partnering with the right financial partner is crucial. With decades worth of expertise and in-depth knowledge of the local market, we’re more than equipped to help.

United States Department of Agriculture (USDA) Loans

Learn More

Wastewater Assistance

On-Site Wastewater Assistance Program (OSWAP)

This type of loan provides assistance to Iowa homeowners not served by a public sewer. Homeowners may obtain a low-interest loan through First Citizens for the replacement of inadequate or failing septic systems. According to Iowa law, all septic systems, regardless of when they were installed, must have a secondary wastewater treatment system following the septic tank.

See Eligibility Requirements

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Financial Calculators

Personal Loan Calculator

Learn what to expect with different monthly
payments to a personal loan.

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Auto Loan Affordability Calculator

Figure out how much you can afford to pay for a car loan each month, based on your current budget.

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Low Rate vs Cash Back Auto Financing Calculator

Will you save more using a low rate or
cash back auto financing option?

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