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Consumer Loans

Time to improve your lifestyle?

At First Northern Bank and Trust, we offer competitive loan rates on Home Equity Loans, Personal Loans (unsecured), Home Equity Lines of Credit, Unimproved Land “Lots” Loans, financing for new and used automobiles and light trucks, and more. See additional details.


Home Equity Lines of Credit

A Home Equity Line of Credit allows you to borrow the money you need, whenever you need it, simply by writing a check for your purchase. Get a competitive rate and pay interest only on the funds you actually use (even though you might be approved for a credit line in a higher amount).

Your tax advisor can tell you if the interest is tax-deductible and explain any other tax advantages for which you may qualify.

To get started, call 1-800-344-2274 and speak with one of our professional Loan Officers, or download and complete an Inquiry Form. To submit the form, visit our contact page to request instructions to upload the document online, mail it to your preferred branch location, or drop it off at your convenience. 

Premium Home Equity Line of Credit

  • Variable interest rate (currently based upon the Wall Street Journal Prime for lines of credit of $10,000 or more)
  • Monthly statement of account activity
  • First order of 25 checks included
  • Credit line up to $200,000.00

Premium FlexTerm Home Equity Credit Line

This line of credit allows you the flexibility to pay interest only during the first ten years of your loan.

  • Variable interest rate (currently based upon Wall Street Journal Prime for lines of credit of $10,000.00 or more)
  • Monthly statement of account activity
  • First order of 25 checks included
  • Credit line up to $200,000.00
  • Recording and satisfaction fees are required and vary depending upon county regulations.
  • Available for residential property only, this offer may be withdrawn at any time without further notice