Southern Illinois Bank has a variety of loans to meet both personal and business needs. We offer competitive rates and flexible terms. Our lending team consists of bankers right here at home. We guarantee a timely loan decision made by our local office. We invite you to contact one of our loan professionals to determine the borrowing option that is right for you.

  • Personal Loans-Auto or other personal purchases.
  • Home Loans-Purchase or Refinance your home.
  • Home Equity Line of Credit.
  • Agriculture Loans-Operating, Land, or Equipment.
  • Commercial Loans-Operating, Equipment, or Real Estate.

Personal Loans

Standard Requirements- Contact one of our Lending Professionals. Payment protection plans are available.


  • Auto
  • Motorcycles
  • Boat
  • Personal

Home Loans

Owning your own home may be the most important investment you will ever make and Southern Illinois Bank wants to assist you every step of the way. Our friendly hometown lending staff is ready to help you select the right type of loan for your needs.


  • Construction
  • Home Purchases
  • Refinancing
  • Second Mortgages/ HELOC
  • Vacation Home

We offer several product options for in house and fixed rate loans through the secondary market such as: Conventional Fixed Rate 30, 20, 15 and 10 year terms, Rural Development for first time home buyers, VA, FHA and Rural Living for hobby farmers.

Agriculture Loans

Designed to meet your financial needs. Each producer is unique, so please contact us today to see what we can do for you.


  • Equipment
  • Operating Line of Credit
  • Farm Ground
  • FSA Guaranteed

Commercial Loans

Every business has different needs contact our commercial lending department to help with your business plan.


  • Equipment
  • Inventory
  • Revolving Credit Lines
  • Real Estate
  • SBA Guaranteed