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Consumer Loan Rates

Get excellent rates on the financing you need.


At First Northern Bank and Trust, you can apply for a number of fixed-rate lending options on Home Equity Loans, Personal Loans (unsecured), Home Equity Lines of Credit, Unimproved Land “Lots” Loans, and vehicle financing. Learn more about our Premium Home Equity Lines of Credit and Premium FlexTerm Home Equity Credit Lines.

We invite you to call 1-800-344-2274 and speak with one of our professional Loan Officers about your specific needs, or contact us now to request an application.

The APR is accurate as of January 24, 2022.

Type Term Annual Percentage Rate (APR)
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Monthly Payment Example
Home Equity
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6 to 60 months 4.094% Borrow at 3.75% for 60 months and make a low monthly payment of $18.46 for every thousand borrowed. 740 minimum credit score required.
Home Equity
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61 to 120 months 3.980% Borrow at 3.80% for 120 months and make a low monthly payment of $10.12 for every thousand borrowed. 740 minimum credit score required.
Home Equity
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121 to 180 months 3.976% Borrow at 3.85% for 180 months and make a low monthly payment of $7.39 for every thousand borrowed. 740 minimum credit score required.
Home Equity
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181 to 240 months 3.998% Borrow at 3.90% for 240 months and make a low monthly payment of $6.06 for every thousand borrowed. 740 minimum credit score required.
Personal Loans
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36 months 9.647% Borrow at 9.125% for 36 months and make a low monthly payment of $31.87 for every thousand borrowed. 760 minimum credit score required
New Auto/Light Truck Loans  (finance up to 90% of the total contract price)
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60 months 3.302% Borrow at 3.30% for 60 months and make a low monthly payment of $18.10 for every thousand borrowed. 740 minimum credit score required. No application fee.
New Auto/Light Truck Loans (finance up to 90% of the total contract price)
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61 to 84 Months 3.802%
Borrow at 3.80% for 84 months and make a low monthly payment of $13.58 for every thousand borrowed. 740 minimum credit score required.
Unimproved Land “Lots” (first Mortgage only)
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60 months 7.322% Borrow at 7.00% for 60 months and make a low monthly payment of $19.81 for every thousand borrowed. 760 minimum credit score required.
Unimproved Land “Lots” (first Mortgage only)
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61 to 120 months 7.677%
Borrow at 7.50% for 120 months and make a low monthly payment of $11.87 for every thousand borrowed. 720 minimum credit score required.
The Annual Percentage Rates (APR) are subject to change without notice, and are calculated using an assumed loan amount of $10,000.00 amortized over the maximum term and a loan to value of 80%. The APR reflects pre-paid finance charges as well as the anticipated interest expense over the life of the loan. Your APR will vary based on your final loan amount and finance charges. To qualify for the rates herein, an automatic debit from a First Northern Bank and Trust Checking or Statement Savings Account is required, or the rate will be higher. Rates require minimum credit scores. Other rates are available for lower credit scores and are subject to First Northern Bank and Trust credit policies. Additional fees may apply in some instances. Home Equity rates apply to first lien Mortgages with a maximum loan-to-value ratio (LTV) of 80%. Borrower(s) will be responsible for a $75.00 Application fee and other costs incurred by First Northern Bank and Trust in processing the loan. Financing for Unimproved Land “Lots” is subject to a narrative-style land appraisal by a Bank-approved Certified Appraiser and the maximum amount of financing will be based on 65% of the appraised value or purchase price, whichever is less. Loans are subject to credit approval. Payments do not include amounts for taxes and insurance premiums and the actual payment will be greater. Other terms and conditions may apply. Ask your Customer Service Representative for a complete disclosure of the terms and conditions.​