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Personal Lending

Financing Solutions for all Stages of Your Life

Personal Credit Options

Our experienced lending team will help you find the best loan solution with a repayment structure that won’t break your monthly budget. Talk to our team about financing for:

  • New vehicles- terms available up to 60 months
  • Used vehicles- for purchases or refinances, loan terms will vary by vehicle model year
  • Motor homes, RVs and Boats- for purchases or refinances, loan terms vary by loan amount and age of collateral

Simply download, fill out and print our Consumer Loan Application to get started!

Consumer Loan Application (PDF)

Visa® and MasterCard® Credit Cards

Expand your purchasing power and build up your credit history with a personal credit card! You’ll enjoy the benefits of no annual fee and online account access through www.mycardstatement.com.

Credit Card Application 

Our Consumer Lending Team

Ready to apply? Have a question about current rates or our loan options? Get in touch with any of our consumer lending team members for help!

Charlette deNeuiCharlette deNeui, Vice President, currently does consumer and real estate lending. She began working at the bank in 1990 and is a graduate of Eldora-New Providence High School. Charlette has extensive experience in compliance, loan processing and documentation.
MLO #478642

Ben EnglerBen Engler, Assistant Vice President, grew up in Nevada, Iowa. After attending high school in Nevada, Iowa, Ben graduated from Iowa State University with a degree in Animal Science and worked in swine production. Prior to joining our HCSB team in May of 2015, Ben had ten years of ag lending experience.

Andy EwoldtAndy Ewoldt, Vice President, is a graduate of Central College in Pella, Iowa, where he received a Business Management degree with a finance emphasis. Andy joined the Hardin County Savings Bank lending team in 2008 and works with ag, commercial and real estate lending customers.
MLO #491589

Darrell Norman Darrell Norman, Vice President and manager of our Union location, has been a lender with HCSB since 1988. He is a graduate of the Union-Whitten High School and has a bachelor’s of science degree in ag business from Iowa State University. Darrell has extensive experience in ag and consumer loans.

Tom VoldingTom Volding, Vice President, is a graduate of Iowa State University with a degree in Farm Operations and a Masters in Ag Economics. Tom has more than twenty-five years of experience as a farm manager and ag loan officer. He brought his wealth of knowledge and experience to HCSB in May of 2004.

Larry WolfLarry Wolf, Sr. Vice President, began working at HCSB in September of 1993 in the commercial loan department. Larry received his degree in Finance and Agricultural Economics from Western Illinois University. He is also a graduate of the Iowa Bankers Association School of Banking and Commercial Lending School and the ISU Agricultural Credit School.


Ready to apply for a personal loan?

Great! Make sure you have the following items with you or on hand to make the application process smoother.

  • Most current paystub
  • Driver’s license or other form of identification
  • A completed consumer loan application

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