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.
 

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.1
 
Rate
12.75%
APR
12.75%
  • 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

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
 
Rate
6.24%
APR
6.66%
  • Competitive rate and terms 
  • Rate discount for automatic payments 
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments


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
 
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
 
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
 
Rate
7.99%
APR
8.13%
  • 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
 
Rate
8.99%
APR
9.20%
  • 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
 
Rate
7.24%
APR
7.66%
  • 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
 
Rate
7.99%
APR
8.08%
  • 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.
 
Rate
18.00 %
APR
18.00%
  • Competitive rate and terms
  • Rate Discount for automatic payments
  • Debt Cancellation Coverage available for qualified borrowers
  • Calculate Payments

Home Equity Loans and Lines 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.' Or for major projects and larger purchases, check out a home equity loan with predictable payments and financing options. 









More Great Banking Options

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

Rates are current as of 03/27/2026 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) Personal Line of Credit

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

2) Auto Loans

Rate assumes credit score of 740+, auto is 2026 or newer, financing for 60 months and payment is auto debit.

3) Unsecured Loan

Maximum term is 36 months and payment is auto debit.

4) Homeowners Unsecured Loan

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

5) Boat Loan

Rate assumes credit score of 740+, boat is 2026 or newer, financing for 60 months and payment is auto debit.

6) Gator/ATV/Personal Watercraft

Rate assumes credit score of 740+, Gator/ATV/Personal Watercraft is 2026 or newer, financing for 60 months and payment is auto debit.

7) Motorcycle

Rate assumes credit score of 740+, motorcycle is 2026  or newer, financing for 60 months and payment is auto debit.

8) RV/Tractor/Trailer

Rate assumes credit score of 740+, RV, Tractor or trailer is 2026 or newer, financing for 60 months and payment is auto debit.



Live Teller ATM

Our friendly live tellers can help you get your banking done when it's convenient for you. Cash or deposit a check, reset your PIN, get assistance with your accounts, and more!

Financial Wellness

No matter your stage of life, we’re here to get you on the right path with learning tools tailored to you. Let’s get started.