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Personal Loans

Financing For Whatever's Ahead

Take the next step in reaching your goals with a personal loan from Midland.

Explore Your Options

Vehicle Loans

When you're looking to finance a new or used vehicle, we will put you in the driver's seat with easy auto and RV loans. You'll enjoy a simple application and fast approval.
Get More Details about Vehicle Loans

Home Equity Loans

Borrow money using your home as collateral. You can choose between a Home Equity Loan, which gives you a lump sum, or a Home Equity Line of Credit (HELOC), which works like a credit card with ongoing access to funds.
Get More Details about Home Equity Loans

Mortgage Loans

Whether you're buying a new home or refinancing for better rates, shorter terms, or cash-out options, our mortgage experts are here to guide you every step of the way.
Get More Details about Mortgage Loans

Secured Line of Credit 1

A secured loan lets you borrow against your Midland Wealth Management portfolio without selling them. This way, you can access cash at a lower interest rate while keeping your investments intact. Borrow up to $500,000 with flexible access through online transfers, phone, in-branch, or checking overdraft. Use the funds for anything, like home renovations, vehicle purchases, or short-term cash needs.

Unsecured Term Loan

Borrow money without needing collateral, like a car or home. Approval is based on your credit history. With a simple process, you could get funds quickly with fixed payments for easy budgeting.

Key Features & Benefits

Loans Starting at $1,000

Find a personal loan for your needs.

Competitive Rates

Offers affordability for your financial needs.

Easy Application Process With Quick Approvals

Apply for a loan online or in-person - you choose!

Online and Mobile Banking

Gives you 24/7 insights into your banking and loan situation.

How Do I Get Started?

1. Choose Your Loan Explore our loan options to find one that fits your needs.
2. Start the Application Process Begin your application online or make an appointment with us today.
3. Submit & Sign Be connected with a loan specialist to help you sign your loan and get your money as soon as possible.

Frequently Asked Questions

Why choose Midland for personal loans?

At Midland States Bank, we're a strong, diversified financial service company dedicated to building a sense of community and culture with our members. We're more than a bank—we offer financial services for every season of your life, from mortgages and wealth management to business and equipment financing.We're committed to economically developing the communities we serve and making an impact in your everyday life.

Since Midland is a Member of the Federal Deposit Insurance Corporation (FDIC), you'll get the security that comes with a bank. Just a reminder that wealth management services are not deposits, so they are not insured by the FDIC and may lose value.

How do I apply for a loan online?

Applying for a loan online is simple and convenient. Visit our online application to get started or visit our online personal loan FAQ page for further detailed information.

How do I qualify for a personal loan?

Qualification typically depends on your credit score, income, and debt-to-income ratio. Lenders will review your credit history and financial situation to determine your eligibility and the loan terms you may qualify for.

What can I use a personal loan for?

You can use a personal loan for almost any purpose, including debt consolidation, home improvements, medical bills, travel, or major purchases. However, some restrictions may apply, so it's important to check with your lender.

All lending products are subject to application and credit approval. Home equity loans and lines also subject to acceptable appraisal and title search.

1 Investment products and services are: Not A Deposit; Not FDIC Insured; May Lose Value; Not Bank Guaranteed; Not Insured By Any Federal Government Agency or Midland States Bank. The Secured Line of Credit is a marketable securities or cash based line of credit from Midland States Bank. Assets cannot be purchased on margin. There cannot be any other holds on the investment account. The investment account cannot be deemed retirement funds. Securities-based financing involves unique risks and is not for everyone. When considering a securities-based loan, thought should be given to individual requirements, portfolio composition and risk tolerance, as well as capital gains, portfolio performance expectations and investment time horizon. Midland States Bank may demand full repayment at any time. Some restrictions may apply and not all accounts are eligible as collateral. All loans and collateral are subject to credit approval.

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.

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We're Midland. You might say we're unlike any other bank. And you'd be right. Explore Who We Are
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