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Personal/Auto Loans

Simple and Flexible

Whether you’re looking to purchase or refinance a car, boat, or RV, take a vacation, complete a personal project, or finance your education, Hills Bank offers personal loans and auto loans to meet your needs.

For more information about loans through Hills Bank, connect with a banker, call us at 1-800-445-5725 (1-800-HILLSBK) to visit any Hills Bank location.

Advantages of choosing a personal loan or auto loan from Hills Bank:

  • Easy application process, whether applying in person, or over the phone toll free at 1-800-445-5725 (1-800-HILLSBK)
  • Fast, local decision making
  • Flexible options including Certificate of Deposit-secured loans
  • Competitive rates 
  • No prepayment penalties
  • Automatic payments available

When applying, have your most recent pay stub, social security number, date of birth, and residential and employment history for the last two years.

Personal Loans

Whether it’s home improvements, consolidating debt, paying for your child’s education, medical bills, or funding a family vacation.  We could help finance your next personal expense.

Inquire About a Loan Now

Home Equity Loans

Are you a homeowner and need extra money? Learn more about a line of credit with HELOC or Home Equity Loans.

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Wondering how much you can afford?

Use our convenient Personal Financing calculator to estimate your monthly payments.

Financial Calculators

Auto Refinancing?

Already have a car loan with another lender?

We may be able to lower your monthly payments with our simple refinance process. Inquire with a banker to see if you can switch and save today.

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New Car Shopping?

Can I apply for an auto loan if I have not found the car I want yet?

Yes! We can help you finance your next vehicle, even if you haven’t found it yet. Ask us how below.

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Student Loans

We offer private student loans through a partnership with ISL Education Lending, a nonprofit organization which aims to help Iowa students succeed in postsecondary education. 

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

  • Loans for college students.
  • A loan option for parents and family members who wish to borrow on behalf of a college student.
  • Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Learn more

Please note:

  • All loans offered by ISL Education Lending are subject to credit approval.
  • Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Hills Bank is compensated by ISL Education Lending for the referral of student loan customers.

Personal Line of Credit

Give your finances an extra cushion with this flexible line of credit. Use it to cover unexpected expenses, protect yourself from overdrafts, or fund a project without dipping into your savings. 

  • Credit Limit of $1,000 - $5,000
  • Fixed Term of 24 Months
  • No Annual Fee

 

Inquire About a Credit Line