Personal Loans

We’ll find a loan that meets your needs and fits your lifestyle.

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When it comes to personal loans, one size doesn’t fit all. Whether you want to buy a new home, remodel your current home, finance a car or need money for an unexpected emergency, we’ll find a loan that meets your needs and fits your lifestyle.

The Right Loans for Your Needs

Choosing the right loan is important to your long-term financial well-being. BOS offers a full range of loan options allowing us to customize loans to meet your individual needs.

 

We know loans can be confusing. BOS is here to help walk you through the process. Our loan professionals are easily accessible to answer your questions and provide sound advice.

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Mortgage Loans

 

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Pre-Approval

The first step in purchasing a home is getting pre-approved for a mortgage loan. BOS Mortgage Lenders will work with you to determine your price range, getting you one step closer to your new home. The BOS pre-approval process is quick, easy, and free.

 

Special Financing Programs

A conventional loan isn't right for everyone. See a BOS Mortgage Lender for details on U.S. Government loans and community programs to aid veterans, first time home buyers and those working within a smaller budget.

 

Online Mortgage Center

Check out the BOS Online Mortgage Center for more information about mortgage loans, to meet the BOS Mortgage Lenders, to check out mortgage tools and calculators, and to apply now. It's online convenience with the personal service you deserve.

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Nationwide Mortgage Licensing System Information

Other Loans

Home Equity

If you’re a homeowner, you can leverage the equity in your home for vacations, education, remodeling, medical bills, and more. A home equity loan or line of credit typically offers a lower interest rate than most personal loans or credit cards. With a loan, you can pay it back over a set time period, at a fixed interest rate. With a revolving line of credit, you can access funds at an adjustable interest rate, borrowing as you need to for the term of the loan. Interest may be tax deductible. (Consult your tax advisor for details.)

Construction

Ready to renovate or build? A construction loan with BOS provides financing for building your new home, business, or major remodeling project.

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Land Financing

If you’re ready to purchase that perfect piece of land to enjoy your outdoor hobbies, BOS can help.

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Installment

Installment loans can be the ideal solution for debt consolidation, buying cars, or paying medical bills. These loans allow you to repay the funds you borrow over the specified period of time, with set monthly payments. If you have a certificate of deposit (CD) - even if it hasn’t matured - you may be able to use it as collateral. A BOS loan specialist can provide you with current interest rates.

Student

Paying for College can be stressful. BOS has partnered with College Ave Student Loans, a private student loan company, to provide financing options without the stress. College Ave offers undergraduate, graduate, parent, and refinance loans. Whether you’re a college student, college graduate or the parent of a college student, we’ll help you find the best loan with a 3- minute application, instant credit decision and no fees to apply.

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Credit Builder

If you have little or no credit history, talk to a BOS loan specialist about a credit builder loan. We may be able to help you establish or build your credit.

Credit Cards

Increase your purchasing power with a BOS VISA Credit Card. Visit our credit card center for more information on all our VISA credit cards and apply today.

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Confused about which loan program to choose?

Our loan professionals are here to help you find the best loan for you.

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This Web site is for marketing purposes and is not designed as a substitute for full account disclosure of any product described in this Web site. Please contact BOS for more information.

All loans subject to credit approval and program requirements.

Conforming Loan Payment Notice: Your payment will be processed the same day it is received if we receive it on a regular business day during regular business hours (before 6:00 p.m. CST). All other payments received will be credited on the next regular business day. Regular business processing days are Monday-Friday. Saturdays, Sundays and federal holidays are not regular business processing days. Additional information about our BOS locations, regular business hours, addresses and phone numbers can be found on our website or by calling 877-698-3278.

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I am very happy to keep working with BOS. They value their customers, and that isn't something that is really common nowadays.They would give me honest recommendations without telling me what to do. I love that I can see and do 90% of the loan through my phone. Overall, my loan experience was great and I look forward to banking here more in the future.

Lance C.

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NOTICE OF ERROR RESOLUTION PROCEDURES

You may have certain rights under Federal Law related to resolving loan servicing errors and requesting information about your account. You may learn more about these rights by contacting BOS at 877-698-3278. A written notice of potential loan servicing errors must be asserted to Bank of Springfield, P.O. Box 19301, Springfield, IL 62794-9301. The written notice is required to include the name of the borrower, account number, and description of the error believed to have occurred.

This Web Site may contain links to other web sites (“Linked Sites”). The Linked Sites are provided for your convenience and information only and, as such, you access them at your own risk. The content of any Linked Sites is not under Bank of Springfield’s control. Bank of Springfield is not responsible for, and does not endorse, such content, whether or not Bank of Springfield is affiliated with the owners of such Linked Sites. You may not establish a hyperlink to this Web Site or provide any links that state or imply any sponsorship or endorsement of your web site by Bank of Springfield, or its affiliates or Providers.

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