Personal Loans, Home Equity Line of Credit (HELOC) and Credit Cards
Personal Loans
A flexible loan solution, personal loans can be used for a variety of uses:
- A new car, truck or SUV
- A well-deserved vacation
- A child’s wedding
- A new boat or RV
- In nearly any situation where you need more money than you have on hand.
Our loan decisions are made locally and quickly, meaning you get the funding you need with a repayment plan that won’t put you underwater.
Contact a Peoples Bank lender today to get started, or use our simple Online Loan Application to apply for a personal loan in minutes.
If you are interested in a student loan specifically, learn more about our partnership with Iowa Student Loans.
Consumer Loan Application
From cars and RVs to emergency expenses, the first step in getting the financing you need is our simple Consumer Loan Application.
Home Equity Line of Credit (HELOC)
How much equity do you have built up in your home? You can use it to help make home improvements, pay college tuition, consolidate debt or numerous other uses with a home equity line of credit (HELOC) from Peoples Bank.
Our lending team can help you determine the right option for you. Contact the lender nearest you today! You can also use our quick and easy Home Equity Application to apply in minutes online.
Visa® Credit Cards
There are several benefits to using a credit card: purchasing power, flexibility in how you make 
purchases and adding to your credit history to help raise your credit score.
Peoples Bank offers three different credit cards from Visa for personal use. Compare the cards below, and then use our Online Credit Card Application to get your application started today!
| Visa Classic | Visa Platinum | UChoose Rewards® | |
|---|---|---|---|
Visa Credit Line | $500-$5,000 | $1,000-$25,000 | $1,000-$25,000 |
| Annual Fee | None* | None* | None* |
| Earn Reward Points | No | No |
Earn 1 point for every $1 you spend. Earn more points by visiting participating retailers’ through uChoose Rewards®. Points and promotions will vary sign up at www.uchooserewards.com Combine your points by linking your Peoples Bank uChoose Rewards® Credit Cards Points can be redeemed for airline tickets, cash, gift cards at your favorite restaurants and stores, or hundreds of merchandise options. |
| Make payments online or at Peoples Bank | Yes | Yes | Yes |
| Online statement access and electronic delivery | Yes | Yes | Yes |
| 24-hour customer service at 855-857-1901 | Yes | Yes | Yes |
| Auto rental collision damage waiver | Yes | Yes | Yes |
| Accepted worldwide | Yes | Yes | Yes |
| Annual Percentage Rate (APR) for Purchases/Balance Transfers | 9.74% to 21.49% Variable rate * |
*Subject to credit approval.