Find the consumer loan that fits your lifestyle.

Weekend warrior? We’ve got you. Furthering your education? Go get ‘em! Shiny new ride? Absolutely. From a quick project to a lifetime investment, a loan from Great Southern can help you reach your dreams. Lock in a great rate and turn someday into today.

Other Loan Options

Ready to put down roots, tap into your home's value, or invest in your education? We offer home loans, home equity options, and student loans to help you take the next step.
 
 
 
 

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Home Equity Line of Credit (HELOC)

Life is full of surprises. Sometimes you need quick access to funds outside your normal expenses. A HELOC is a low-rate, go-to solution for many of those ongoing and unexpected ‘life expenses.'1
 
Interest Rate
5.75%
APR
5.75%
  • 5.75% APR, 12-month introductory rate; variable APR after introductory period
  • Up to 80% combined loan-to-value ratio
  • $299 third-party fee charged at application
  • Homeowners insurance required

Automobile Loans

Whether you are shopping for your dream car or looking to lower the interest rate on an existing loan, we have the products to get you back on the road, and offer new and used financing for both purchase and refinancing needs.2
 
Interest Rate
6.49%
APR
6.63%
  • Competitive rate and terms 
  • Rate discount for automatic payments 
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments

Apply In Person

Unsecured Loans

Life has a way of throwing little emergencies at us from time to time. A small unsecured loan from Great Southern can help you get things back on track.3
 
Interest Rate
14.99%
APR
16.75%
  • Competitive rate and terms 
  • Rate discount for automatic payments 
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments

Homeowners Unsecured

Fund home improvements or consolidate debt — no collateral required. With 4+ years of homeownership and a strong credit score, you could qualify for up to $12,000.4
 
Interest Rate
10.99%
APR
11.26%


Boat Loans

With a wide array of loan options, you’ll be out on the open water in no time. Don’t forget the sunscreen.5
 
Interest Rate
8.24%
APR
8.38%
  • New and used financing for purchase or refinance
  • Competitive rate and terms 
  • Rate discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers 
  • Calculate Payments

Gator/ATV/Personal Watercraft

Time for something to help you zip around the farm a little easier, or even just a handy new toy? We offer new and used financing or refinancing options for whatever your needs might be.6
 
Interest Rate
9.24%
APR
9.53%
  • Competitive rate and terms 
  • Rate discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers 
  • Calculate Payments


Motorcycle

There’s something about the roar of the engine as the wind whips around you on the open road. When that urge kicks in, we can help you get out there taking corners in no time.7
 
Interest Rate
7.49%
APR
7.77%
  • Competitive rate and terms
  • Rate Discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments

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.8
 
Interest Rate
8.24%
APR
8.38%
  • Competitive rate and terms
  • Rate Discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments


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.
 
Interest Rate
18.00 %
APR
18.00%
  • Competitive rate and terms
  • Rate Discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments

Personal Line of Credit

Have immediate access to a predetermined line of credit for whatever your needs might be: a home improvement project, vacation getaway, or even that new degree you’ve been wanting to pursue.9
 
Interest Rate
13.00%
APR
13.00%
  • Lines from $4,000 to $10,000 available based on credit qualifications
  • Easily access the LOC through Online Banking, checks or visiting a Banking Center
  • Debt Cancellation Coverage available for qualified borrowers 
  • Calculate Payments

Home Equity Loans


A Home Equity Loan can be an affordable way to fund a remodeling project, major purchase, or other large expense. You'll receive the full amount all at once, and a fixed rate option with low fees and consistent monthly payments makes budgeting easier.

More Great Banking Options

Discover even more tailored account options and tools designed to fit you.

Rates are current as of 11/10/2026 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) Subject to credit approval. Minimum credit line is $6000. Introductory interest rate is an Annual Percentage Rate (APR) of 5.75% for the first 12 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 5.75%, nor exceed 19.50%. The Wall Street Journal Prime on 11/10/2026 at 8:00 AM was  7.00%. Current index (Wall Street Prime) plus margin (0.50%) is 7.50%. 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.

2) Auto Loans

Interest rate assumes a loan amount of $30,000, credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit.

3) Unsecured Loan

Interest rate is based on maximum allowable loan amount of $4,000. Maximum term is 36 months and payment is auto debit.

4) Homeowners Unsecured Loan

Interest rate is based on maximum allowable loan amount of $12,000. Four (4) years of homeownership required, minimum credit score of 740 and payment is auto deducted.

5) Boat Loan

Interest rate assumes a loan amount of $30,000, credit score of 740+, boat is 2025 or newer, financing for 60 months and payment is auto debit.

6) Gator/ATV/Personal Watercraft

Interest rate assumes a loan amount of $15,000, credit score of 740+, Gator/ATV/Personal Watercraft is 2025 or newer, financing for 60 months and payment is auto debit.

7) Motorcycle

Interest rate assumes a loan amount of $15,000, credit score of 740+, motorcycle is 2025  or newer, financing for 60 months and payment is auto debit.

8) RV/Tractor/Trailer

Interest rate assumes a loan amount of $30,000, credit score of 740+, RV, Tractor or trailer is 2025 or newer, financing for 60 months and payment is auto debit.

9) Personal Line of Credit

All loans and lines of credit subject to credit approval. Certain loan fees may apply.



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Live Teller ATMS

Friendly Great Southern tellers are available through a secure video connection, making it easy to get your banking done when it's convenient for you.

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