Personal and Auto Loan Rates
Loan Rates
From the small project to the big dream, a loan from Great Southern can help make it happen. Let's get started today and see how we can help.
Rates
Please note, incomplete applications are cancelled five business days after initiation for your security.
Please have all required documents on hand before you start an online application.
| Loan Type | Rate | APR | |
|---|---|---|---|
| Home Equity Loan1 |
7.240% | 7.708% | Apply Near You |
| Home Equity Line of Credit2 |
6.50% | 6.50% | Apply Near You |
| Homeowners Unsecured Loan3 |
10.99% | 11.26% | Apply Near You |
| Auto Loans4 |
6.49% | 6.63% | Apply Near You |
| Unsecured Loan5 |
14.99% | 16.75% | Apply Near You |
| Boat Loans6 |
7.99% | 8.13% | Apply Near You |
| Personal Line of Credit |
13.50% | 13.50% | Apply Near You |
| Gator/ATV/Personal Watercraft7 |
8.99% | 9.20% | Apply Near You |
| Motorcycle8 |
7.49% | 7.64% | Apply Near You |
| RV/Tractor/Trailer9 |
7.99% | 8.08% | Apply Near You |
| Overdraft Protection |
18.00% | 18.00% | Apply Near You |
Other Options
Loan Info
Looking for a car loan, motorcycle loan, RV or ATV loan, or other personal loan? We have you covered. See more info about our loan products here.
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Rates are current as of 07/11/2025 at 8:00 AM. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate and an estimated total for points and other finance charges and fees. For specific details please contact your Great Southern Lender.
1) Home Equity Loan
Subject to credit approval. The annual percentage rate (or APR) is the total annualized cost of your loan. Minimum loan amount is $6,000. Cannot be used in conjunction with any previous offers. $299 third-party fee will be charged at application. If your property is located in MN, you will pay a mortgage tax up to 0.24% of your loan amount. See your loan officer for details. Proof of home owners insurance is required.
For example: a $20,000 loan for 84 months at 5.625% interest, monthly payments would be $288.59. Other home equity loan options are available, contact a Great Southern Residential Lender for more details.
2) Home Equity Line of Credit
*Subject to credit approval. Minimum credit line is $6000. Introductory rate is an Annual Percentage Rate (APR) of 6.50% for the first 6 months. Introductory rate is available on new home equity lines of credit only with combined loan-to-value ratio (CLTV) of 80% or less.
After the introductory period, the APR is the prime rate quoted in the Money Rate section of the Wall Street Journal (“Wall Street Journal Prime”) plus 0.50%. APR will never be lower than 6.50%, nor exceed 19.50%. The Wall Street Journal Prime on 07/11/2025 at 8:00 AM was 7.50%. Current index (Wall Street Prime) plus margin (0.50%) is 8.00%.
Terms and conditions subject to change without notice and may affect this offer. Cannot be used in conjunction with any previous offers. $299 third-party fee will be charged at application. If your property is located in MN, you will pay a mortgage recording tax up to 0.24% of your credit limit amount. See your loan officer for details. Proof of homeowners insurance is required.
3) Homeowners Unsecured Loan
4 years of homeownership required, minimum credit score of 740 and payment is auto deducted.
4) Auto Loans
Rate assumes credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit.
6) Boat Loan
Rate assumes credit score of 740+, boat is 2025 or newer, financing for 60 months and payment is auto debit.
7) Gator/ATV/Personal Watercraft
Rate assumes credit score of 740+, Gator/ATV/Personal Watercraft is 2025 or newer, financing for 60 months and payment is auto debit.
8) Motorcycle
Rate assumes credit score of 740+, motorcycle is 2025 or newer, financing for 60 months and payment is auto debit.
9) RV/Tractor/Trailer
Rate assumes credit score of 740+, RV, Tractor or trailer is 2025 or newer, financing for 60 months and payment is auto debit.
