Home Personal Banking Personal Lending

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, Sr. 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



 Jeff Duit, Vice President, grew up in Bradford, Iowa. After attending high school in Iowa Falls, Iowa, Jeff graduated from Iowa State University with a degree in Ag Business/Finance. Prior to joining our HCSB team in November, 2017, Jeff was a lender at Crawford County Bank & Trust. 

Andy EwoldtBen DeVilder, Assistant Vice President, grew up right here in Eldora, Iowa. He is a graduate of ENP High School and graduated from the University of Northern Iowa with a degree in Finance Management. Ben has been with HCSB since 2016.
MLO #1637549




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

Our Locations