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Personal Loans

Explore a variety of low-cost, fixed rate personal loans or use your home's equity for a line of credit.

What kind of personal loan are you looking for?

A personal loan could be the solution you need for large purchases like a boat, RV, ATV or automobile, or large expenses like home improvement projects, wedding expenses, vacations, emergency expenses and more. With a personal loan, interest rates and monthly payments remain fixed throughout the life of the loan. This makes it easier to plan and manage your budget. And with rates that are more affordable than standard credit card interest rates, a personal loan is also a great option to consolidate high-interest credit card debt. No matter what's next in your life, we want to make financing the easiest decision you make.

Home Equity Line of Credit

Is it time to make a few home improvements? We can help you turn your home's equity into a line of credit.

  • Affordable interest rates
  • Flexible repayment terms

Auto Loans

If you're in the market for a new car, truck or SUV, turn to the bank you trust for an affordable auto loan.

  • Rates as low as 3.65% APR{45}
  • Personalized service

Boat Loans

From relaxing on the water to reeling in the big one, let us help you finance the perfect boat for your favorite pastime.

  • Competitive rates
  • Expert guidance

RV Loans

Wherever your adventure takes you, we can help you finance the RV, motorhome or travel trailer to fit your needs.

  • Flexible financing
  • Fixed rates

Motorcycle & ATV Loans

Whether you're going off-road or hitting the open road, we can help you finance your next ATV or motorcycle.

  • Local lenders
  • Affordable rates
One simple payment

Effectively manage your budget with fixed monthly payments.

Competitive Rates

Fixed, personal loan interest rates from 10.50% APR to 14.75% APR

Expert Guidance

Local lenders are ready to support you through every step of the loan process.

Questions?
We're here to help.

In Person

Stop by a branch to talk with an advisor.

By Phone

1-866-246-2400
Monday–Friday, 7:30 a.m. – 6 p.m. CT
Saturday, 8 a.m. – 12 p.m. CT

Personal Loans FAQs:

A personal loan is a lump sum of money that can be used for large purchases like a boat, RV, ATV or automobile, or large expenses like home improvement projects, wedding expenses, vacations, emergency expenses and more. A personal loan is also a great way to consolidate high-interest credit card debt.

Completing an application for a personal loan will reflect on your credit report as a hard credit pull, but the small drop in score from this inquiry will disappear within a short time. Talk to a Simmons Bank lender to find out what kind of loan amount, rate and repayment term you qualify for.

No, a personal loan is an unsecured loan, which means there is no collateral required.

With a personal loan, interest rates and monthly payments remain fixed throughout the life of the loan, making it easier to plan and manage your budget. And with rates that are much more affordable than standard credit card interest rates, a personal loan is also a great way to consolidate high-interest debt and save money.

Simmons Bank operates in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Inquiries for HELOC are available only for residents of these states. Depending on the amount you need to finance, our Simmons Visa® offers great rates and is available to customers in all 50 states. To learn more, click here.

Ready to get started?

  • {45} Advertised Annual Percentage Rate (APR) accurate as of May 5th, 2022 for well-qualified borrowers for automobile model years 2020
    or newer and loan terms of no more than 36-months. APR offered may range between 3.65% APR and 4.85% APR depending on
    creditworthiness, age of vehicle financed, length of loan, and other criteria. Payment example: $881.06 based on $30,000 lent over the 36
    months term at the disclosed APR of 3.65%. Rates subject to change without notice.