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.


Apply Online

Loan Type Rate APR
Personal Line of Credit
9.50% 9.50% Apply
Auto Loans1
5.24% 5.24% Apply
Unsecured Loan2
12.74% 12.74% Apply
Homeowners Unsecured Loan3
9.74% 9.74% Apply


Apply In Person

Loan Type Rate APR
Boat Loans4
6.99% 6.99% Find a Location
Gator/ATV/Personal Watercraft5
7.99% 7.99% Find a Location
Home Equity Line of Credit6
4.25% 4.25% Find a Location
Home Equity Loan7
4.38% 5.65% Find a Location
Motorcycle8
6.24% 6.24% Find a Location
RV/Tractor/Trailer9
7.99% 7.99% Find a Location
Overdraft Protection
18.00% 18.00% Find a Location

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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We have calculators to help you find that loan that fits your budget. Calculate payments, find your credit card payoff and more with these convenient tools.

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Rates are current as of 08/15/2022 at 6:00 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.

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1) Auto Loans

Rate assumes credit score of 740+, auto is 2018 or newer, financing for 60 months and payment is auto debit.

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2) Unsecured Loan

Maximum term is 36 months and payment is auto debit.

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3) Homeowners Unsecured Loan

4 years of homeownership required, minimum credit score of 740 and payment is auto deducted.

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4) Boat Loan

Rate assumes credit score of 740+, boat is 2018 or newer, financing for 60 months and payment is auto debit.

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5) Gator/ATV/Personal Watercraft

Rate assumes credit score of 740+, Gator/ATV/Personal Watercraft is 2018 or newer, financing for 60 months and payment is auto debit.

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6) Home Equity Line of Credit

Subject to credit approval. The Annual Percentage Rate (or APR) is the total annualized cost of your loan. Minimum credit line is $6000. Cannot be used in conjunction with any previous offers


Introductory rate is an Annual Percentage Rate (APR) of 4.25 % 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 4.25%, nor exceed 19.50%. The Wall Street Journal Prime on 08/15/2022 at 6:00 AM was 5.50%. Current index (Wall Street Prime) plus margin (0.50%) is 6.00%. Terms and conditions subject to change without notice and may affect this offer. Cannot be used in conjunction with any previous offers. 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

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7) 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. 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 5.49% interest rate, monthly payments would be $287.31. Other home equity loan options are available, contact a Great Southern Residential Lender for more details

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8) Motorcycle

Rate assumes credit score of 740+, motorcycle is 2018 or newer, financing for 60 months and payment is auto debit.

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9) RV/Tractor/Trailer

Rate assumes credit score of 740+, RV, Tractor or trailer is 2018 or newer, financing for 60 months and payment is auto debit.

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