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Bank of Oklahoma

Personal Loans and Lines of Credit

You’ve decided you need a loan but, like most people, you’re not sure what loan is best. Talk to one of our Product Specialists and let us help you make the decision that’s best for your specific need.

Finance almost anything with a Personal Loan

If you’re looking to finance a large purchase, pay down high-interest debt, take a special vacation or pay for an unexpected expense, a Personal Loan – also called an unsecured loan – is what you’re looking for.

  • It does not require collateral, which makes it a perfect option if you do not have equity available in your home or car.
  • It offers competitive rates and flexible payment options.
  • It is a good choice if you need your funds quickly. Without collateral to evaluate, the overall process is generally shorter.

Download our Simple Guide to Personal Installment Loans

Get cash faster with a Personal Line of Credit

What's the fastest way to get a loan? Write yourself a check from your own Personal Line of Credit! If you have excellent credit, a Personal Line of Credit is a great way to get quick access to cash when you need it.

  • Get a one-time approval, so there's no need to reapply each time you need additional funds.
  • Easily make an advance through our Mobile App, Online Banking, via phone, or in person at one of our convenient Banking Centers.

Download our Simple Guide to Personal Lines of Credit

What's My Best Option?

Personal loan

I know exactly how much I want to borrow.
I would like a fixed interest rate.
I want a fixed monthly payment.
I need all of the funds up front

Personal line of credit

I am not sure of the exact amount I need.
I would prefer to have a variable rate.
I want the flexibility of taking multiple advances over time.
I have expenses that will occur over a period of time.

You've Got Options

Sometimes there are better options for achieving your goals than a Personal Loan, and our team will always advise you if we believe there is a better solution for your specific need. Personal Loans may carry higher interest rates, so it may be less expensive for you to borrow money by using collateral like your home or your car. In such cases, we may recommend a Home Equity Loan or Line of Credit (HELOC), or an Auto Loan to help you get the best possible rate and terms.

How to Apply

Visit one of our Banking Centers or call our ExpressBank at 800-234-6181. Once you've finalized your loan, you can start using your Personal Loan or Line of Credit right away to pay down higher interest debt, make a big purchase or finally take that dream vacation.