Personal and Consumer Loans
Loans
Quick, easy & flexible. Find the loan that fits you.
From the weekend project to the life-changing dream, and just about anything in between, a Great Southern loan may be just the perfect fit. We have loan options with competitive rates that are just right for whatever's on your list. Let's get started today and see what you can do.
Home Equity Loan
Major projects and larger purchases are within reach with predictable payments and financing options.1
Home Equity Line of Credit
Get started on your to-do list with a revolving line of credit. Convenient and flexible, it’s perfect for those ongoing and unexpected ‘life expenses.'2
Homeowners Unsecured Loan
Need funds for a home improvement project or debt consolidation, but don’t want to pledge your property as collateral? Start here.3
Automobile Loan
Whether you’re shopping for a new car or want to lower the interest rate on an existing loan, we have financing options to improve your drive.4
Unsecured Loan
Life has a way of throwing little emergencies at us from time to time. We can help you get things back on track.5
Boat Loan
With a wide array of loan options, you’ll be out on the open water in no time.6
Personal Line of Credit
Have immediate access to a predetermined line of credit for whatever your needs might be.
Gator/ATV/Personal Watercraft Loan
Need something to zip around the farm with or just a handy new toy? We offer new and used financing or refinancing options for smaller rides.7
Motorcycle Loan
The roar of the engine, the wind whipping around you, and a smooth loan process. What could be better?8
RV/Tractor/Trailer Loan
Travel across the country or across the fields in style. We’ll help you haul everything you need with specialized loans.9
Overdraft Protection Loan
Protect yourself from overdraft fees while ensuring your bills get paid when your deposit account runs low with this line-of-credit style loan.
Calculators
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.
Mortgage Loans
If you're considering a mortgage loan for a new home purchase or refinance, you've come to the right place. Great interest rates are just the beginning at Great Southern Bank.
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Advisor is always just a call or email away!
Home Equity Loans
The equity in your home (its value minus the amount you owe) is a little bit of a secret weapon that can be used to fund just about anything...remodels and upgrades, major purchases like vehicles or appliances, even ‘life stuff’ like orthodontics and education costs.
As Low As
7.71% APR7
Choose the student loan that’s right for you
Smart Option Student Loan® for undergraduate students, Parent Loan, and a
suite of graduate loans are available to pay for expenses included in your
school's cost of attendance and designed for your specific degree.
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. 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.
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.
