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Personal Loans

Let us help make your dreams a reality

We Finance it All

Woodlands Bank offers a variety of fixed and adjustable rate personal loans and Lines of Credit (LOC) to meet the needs of our customers. Vehicles, hobbies & passions cost money. Our passion is helping you finance the things you want while minimizing the worry of figuring out how to pay for it.

Personal LoanLine of CreditAuto LoanRecreational Vehicle

Personal

Loan

Build Your Credit

Woodlands Bank traditional Personal Loan will help you finance whatever life may throw at you. With a traditional fixed rate and term, your monthly payments will be affordable. Personal Loans are exclusively used for personal, family, or household purposes.
Consolidate Bills
Option to Secure the Loan with Collateral
Fund Big Expenses
Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    UP TO 60 MONTHS
    15.50%
    APR

    Notice

    Rate is fixed for the entire term of the loan. Rates and offer subject to change. All accounts, loans and services subject to individual approval. Payment example: $3,500 loan amount, interest rate of 15.50% (15.50% APR) fixed for 3 years, resulting principal and interest payment amount $122.24.

    Personal Line of Credit

    Line of Credit

    Use What You Need, When You Need It

    Rates may change at any time. Other terms and conditions apply. The annual percentage rate (APR) will be based on your credit qualifications and repayment terms. The variable APR may adjust daily based on Wall Street Prime, plus or minus a margin.
    Consolidate Bills
    Option to Secure the Loan with Collateral
    Fund Big Expenses
    Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    16.50%
    APR

    Notice

    Rates may change at any time. Other terms and conditions apply. The annual percentage rate (APR) will be based on your credit qualifications and repayment terms. The variable APR may adjust daily based on Wall Street Prime, plus or minus a margin.

    Auto

    Personal Loan

    Driving a Junker?

    Woodlands Bank offers a great Auto Personal Loan that will help you finance that new, or used, car purchase you've been thinking about.
    Minimum Loan Amount of $1,000
    Repayment & Terms Fit the Year of the Vehicle
    Minimum Term is 7 Months
    Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    UP TO 60 MONTHS
    7.50%
    APR

    Notice

    Rate is fixed for the entire term of the loan. Rates and offer subject to change. All accounts, loans and services subject to individual approval. Payment example: $30,000 loan amount, interest rate of 7.50% (7.50% APR) fixed for 5 years, resulting principal and interest payment amount $601.28.

    Insurance may be required.

    Recreational Vehicle

    Personal Loan Solutions
    $1000 Minimum Loan
    Fixed Rate & Term
    Affordable Monthly Terms & Payments

    Our Recreational Vehicle Loan can help you make the purchases you’ve been dreaming about.

    Select a Recreational Vehicle loan from below to learn more.

    UTV, ATV & Cycle

    Boat & Jet Ski

    RV & Camper

    UTV, ATV & Motorcycle

    Personal Loan

    Say Hello to the Open Trail

    Woodlands Bank UTV, ATV & Motorcycle Loans will help you finance that toy you've been waiting for. With a traditional fixed rate and term, your monthly payments will be affordable so you can spend more time on the trail and less time worrying.
    Minimum Term: 7 Months
    Insurance may be required
    Local Lenders
    Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    UP TO 60 MONTHS
    7.50%
    APR

    Notice

    Rate is fixed for the entire term of the loan. Rates and offer subject to change. All accounts, loans and services subject to individual approval. Payment example: $10,000 loan amount, interest rate of 7.50% (7.50% APR) fixed for 5 years, resulting principal and interest payment amount $200.43.

    Boat & Jet Ski

    Personal Loan

    Get Ready to Make a Wake

    Woodlands Bank Boat & Jet Ski Loans will help you finance that toy you've been waiting for. With a traditional fixed rate and term, your monthly payments will be affordable so you can spend more time on the open water and less time worrying.
    Minimum Term: 7 Months
    Insurance may be required
    Local Lenders
    Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    UP TO 60 MONTHS
    7.50%
    APR

    Notice

    Rate is fixed for the entire term of the loan. Rates and offer subject to change. All accounts, loans and services subject to individual approval. Payment example: $15,000 loan amount, interest rate of 7.50% (7.50% APR) fixed for 5 years, resulting principal and interest payment amount $300.64.

    RV & Camper

    Personal Loan

    Hit the Open Road

    Woodlands Bank RV & Camper Loans will help you finance that traveling home you've been waiting for. With a traditional fixed rate and term, your monthly payments will be affordable so you can spend more time on the open road and less time worrying. RV: Travel trailers, 5th wheels or motor homes. Used and new models have terms up to 5 years.
    Insurance may be required
    Local Lenders
    Variety of Terms Available; Minimum Term: 7 Months
    Apply Now
  • Explore Other Personal Loans
    • Rates as Low as
    APR Effective 11/9/2022
    UP TO 60 MONTHS
    7.50%
    APR

    Notice

    Rate is fixed for the entire term of the loan. Rates and offer subject to change. All accounts, loans and services subject to individual approval. Payment example: $20,000 loan amount, interest rate of 7.50% (7.50% APR) fixed for 5 years, resulting principal and interest payment amount $400.85.

    Important Notice

    Change in Branch Hours

    We want to inform you that we are making some changes to our branch office hours. These changes will go into effect on January 1, 2024. Our primary reason for changing our hours is to allow our employees to have a better work-life balance. In-turn, this allows us to better retain our excellent employees which results in even higher standards of customer service that our customers know and love.

    View New Hours

    We understand that our new hours may affect some of our customers’ normal routines and for that we truly apologize. We recognize change like this can be hard.

    • $1000.00 daily minimum balance to earn interest & avoid a $5.00 monthly service charge.

    Qualifying Requirements include:

    • At least 1 bill pay or ACH payment transaction
    • At least 12 debit card purchases

    Note: Enrollment in e-Statements is required in order to open a High Interest or Cash Rewards checking account.

    IRA Management

    Changing jobs or retiring can be an exciting step in your life, but figuring out what to do with your retirement plan and other retirement assets can be confusing. Woodlands Bank Trust & Asset Management Services is here to assist you in making the right choice and will help you to achieve your long-term retirement goals.

    Institutional Investment Management

    Companies or organizations that hold funds or other assets can rely on Woodlands Bank Trust & Asset Management Services to assist them in managing their resources for long-term benefits. We will provide investment management during a period of time or into perpetuity.

    Charitable Investment Management

    Non-profit organizations that hold funds or other assets from charitable donations can utilize Woodlands Bank Trust & Asset Management Services to invest those funds for long-term benefits. We will provide investment management during a period of time or into perpetuity.

    Executor & Estate Settlement Services

    Choosing a qualified executor is essential to the timely and efficient administration of an estate. Our estate settlement services include acting as:

    • Executor
    • Agent for Executor

    Estate & Financial Planning Services

    The most common mistake in financial planning is not having a plan—having a strong financial and estate plan is vital to your financial health. We will work with you and your estate attorney to craft a plan for your unique needs.

    Asset Management & Custodial Services

    We will work with an individual to design a portfolio to fit their specific needs and objectives. Our duties will be determined by the type of account chosen.

    • Investment Management Accounts
    • Institutional Investment Accounts
    • Custody Account

    Personal Trust Services

    A trust permits an individual to carry out personal and financial objectives while providing protection for themselves and their family. The trust agreement sets forth the wishes of the individual, and it is the trustee’s responsibility to carry out those wishes. As a trustee, we will provide impartial advice and counseling for beneficiaries, investment management of the trust assets, continuity of management and a full accounting of all transactions. We offer:

    • Living Trusts
    • Testamentary Trusts (Trusts Under Will)
    • Life Insurance Trusts
    • Special Needs/Situations (Guardianships, Charitable)
    • Agent for Trustee

     

    Treasurer's Checks

    A Treasurer’s check is drawn on the bank’s own funds and signed by a bank employee. These checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. There is a small fee for these checks and they are only issued to bank customers.

    Wire Transfers

    Wire transfers help move money electronically from one person to another, domestically and internationally. This is an effective, safe way to transfer funds between banks. For a small fee, our customers can quickly send payments to others. The cutoff time is 1PM for International wires and 2PM for Domestic wires each business day.

    Safe Deposit Box

    A safe deposit box is located inside a bank vault and is used to store valuables. A financial institution rents out safe deposit boxes, and they can be accessed with keys. For a small annual fee you can safely store your important papers, etc. You can access your box during the bank’s normal operating hours.

    Notary Services

    In the United States, a Notary Public is a person appointed by a state government and whose primary role is to serve the public as an impartial witness when important documents are signed. This service is available at each office of Woodlands Bank and is only available to bank customers.