Personal Loans: Money When You Need It

A personal loan is just that — it's personal. Use it to pay down medical bills, cover expenses during financial hardships and more.

Instead of draining your savings, talk to a First National Bank and Trust Company lender about taking out a personal loan. We tailor payment plans to your needs. Since we process loans in-house, you can expect smooth, efficient service.

  • Finance a number of needs, from weddings to medical expenses
  • Smart alternative to using your savings
  • Competitive rates
  • Flexible terms for affordable payments
  • Easy application process
  • Efficient in-house processing
  • Friendly service from experienced lenders
  • Subject to credit approval

What might I need to get a personal loan?

Your lender will ask you to fill out a PDF application that you can request below. Additionally, you may be asked to provide your last two paychecks, last year's tax return, a description of any collateral you are offering to secure the loan, such as VIN or serial numbers. 

How do I apply for a personal loan? 

Simply fill out this short form and a lender will contact you!


Our lenders are available to guide you through this process. Feel free to give us a call, send us an email, stop by one of our locations or choose "Connect Now" below to get the process started.

DO MORE with your money at First National Bank and Trust Company

At First National Bank and Trust Company, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at First National Bank and Trust Company. First National Bank and Trust Company has locations in Illinois and Wisconsin. For more information visit or contact us at 217-935-2148 in Illinois or 866-566-2265 in Wisconsin. #igniteprosperity