Panhandle State Bank provides the credit you need to pursue your business or personal dreams. The professionals at PSB work with you to develop a loan program tailored to your unique financial circumstances. Whether it’s improving your home, buying business equipment, or purchasing a new house, we can help.

To find out more or apply for a loan, please contact a banking officer at one of our branch locations or click on info@panhandlebank.com to request more information.

Personal Loans

PSB offers a variety of consumer loan programs to meet your needs:

• Home equity loans and credit lines
• Car, boat, and RV loans
• Other personal loans, including CD loans, stock loans, and unsecured loans
• Credit lines for overdraft protection and unexpected borrowing needs

Fast, flexible service and individualized attention make getting a personal loan from PSB easy and convenient.

Business Financing

PSB provides all the financing tools to help your business prosper and grow. Whether your company needs money for working capital, equipment, or real estate, we can help and we have resources available to finance your business even with poor credit. Most importantly, we’ll take the time to understand your business and suggest options that are right for you.

Personal Loans and Lines of Credit

Fulfill your dreams! Buy that shiny new car, remodel your kitchen, or pay your kid’s college tuition. Whatever your need, Panhandle State Bank can help with a loan or credit line tailored to you.

To find out more or apply for a loan, please contact a banking officer at one of our branch locations or click on info@panhandlebank.com.

We’ll work with you on almost any kind of loan request. Some of our most common programs include:

Home Equity Loans and Lines of Credit
Put the equity you've built in your home to work for you.

• Use for a variety of purposes, including consolidating debt, financing home improvements, or paying for a child's education.
• Possibly deduct the interest you pay on your tax return (consult your CPA or tax advisor to determine deductibility).
• Flexible payment structures to meet your individual needs.

Installment Loans
Cars, boats, RVs or small investments. Whatever the dream, PSB’s installment loans feature competitive rates, flexible terms and quick turnaround times to help you pursue it.

Personal Credit Line
Be prepared for unexpected opportunities or problems with a personal credit line. With PSB’s credit line:

• Interest rates are lower than most credit cards.
• Funds are available whenever you need them.
• Interest is not paid until you actually use the money.
• Provides the security and convenience of overdraft protection when the line is tied to an PSB checking account

Business Loans and Credit Lines

Panhandle State Bank can help with all your business credit needs. Our experienced staff will take the time to understand your business and tailor a solution that fits your company’s unique situation.

To find out more or apply for a loan, please contact a banking officer at one of our branch locations or click on info@panhandlebank.com.

Our credit options include:

Commercial and Agricultural Term Loans
PSB provides term loans for financing working capital, equipment, real estate and agriculture. These loans offer:

• competitive rates
• customized, flexible repayment programs to meet your cash flow needs
• quick turnaround on loan approvals

Business and Agricultural Credit Lines
PSB credit lines help ensure that funds are available for your business to meet short-term needs or supplement cash flow. Our lines feature competitive rates and repayment terms that match your company’s cash cycle.

Small Business Administration (SBA) Loans and other Government Financing Programs
Experienced PSB officers can help you capitalize on the various benefits offered by government financing programs like the SBA guaranteed loan program. These programs offer competitive financing for young or rapidly growing businesses. We’ll explore various options with you and walk you through the application process.

Business VISA Program
A business credit card account that your company can use for travel, entertainment, and general business expenses. With PSB’s Business VISA program, your company can:

• Establish multiple users on one account, all with their own designated credit limits.
• Receive detailed reports indicating exactly how and where the cards have been used.

Home Loans and Mortgages

Looking to build or purchase a new home? The mortgage professionals at Panhandle State Bank can help. Click to learn more.