Personal Loan Products

competitive Loan products to meet your needs

At Wells Bank we emphasize our commitment to serving the needs of our local community by providing a variety of Personal Loan Products, Home Loan Products and Mortgage Loans with competitive rates.



Professional Lending Specialists

Our professional lending officers and staff consistently provide efficient, friendly service and individual attention so that your loan process is quick and simple.


Please contact one of our experienced lending specialists at (816) 858-2121 to discuss any of the loan types listed below or to discuss how to tailor a loan to fit your exact credit needs.


Wells Bank Personal Loan Products

Considering a major purchase?

Your home’s equity may help you finance a large expense such as a home repair or renovation.  We have several different Personal Loan Products to help meet your needs.

  • Home Equity Line of Credit
  • Home Equity Term Loans
  • CD Secured Loans
  • Automobile Loans
  • Boat and RV Loans


Home Equity Line of Credit

A home equity line of credit (often called HELOC and pronounced Hee-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period, where the collateral is the borrower's equity in his/her house.  HELOC's are also called a revolving line of credit as the balance can fluctuate as you pay them down and/or borrow the funds for whatever you need. HELOC's are often used to fund major purchases, such as education, home improvements, or medical bills.


Home Equity Term Loan

Considering a major purchase? Your home’s equity may help you finance a large expense such as a home repair or renovation, or simply paying off your credit cards.  A home-equity loan, also known as a second mortgage, lets homeowners borrow money by leveraging the equity in their homes. These loans differ from a Home Equity Line of Credit as they are amoritized with a fixed monthly payment.


CD Secured Loans

Borrowing against your own funds in the form of a Certificate of Deposit (CD) is a fast, convenient, low cost way of obtaining a loan.


Automobile Loans

Whether you need a new car, used car or to refinance a current auto loan, Wells Bank is pleased to provide Auto Loans, Used Car Loans, and Auto Loan Refinance at competitive rates. Visit our Auto Loans page for more information.


Boat and RV Loans

Get where you want to go — from the high seas, lakes or the open road — at a competitively low rate. We can provide financing for the boat or RV of your dreams.


Take Advantage of Our Great Home Equity Line of Credit Rate


Ask one of our lending specialists about loan rates as low as 2.99% APR on Auto and Home Equity Lines of Credit!

  • With automatic payment from Wells Bank deposit account.
  • Home Equity Line of Credit: 2.99% Annual Percentage Rate fixed for 1 year, then variable rates starting as low as 5.00% APR*

*After initial rate expires, the APR may vary for the remaining life of the loan. As of May 1, 2014, this variable APR would have been 5.00%. The rate on the plan will not exceed 18% APR. If only the minimum monthly payments are made, a balloon payment will be due at maturity. Consult your tax advisor for information on interest deductibility.



Call us today. We would be happy to discuss which one of our loans best meets your needs.

"Excellent customer service is taking the time to listen to exactly what the customer needs and doing everything within our power to satisfy those needs."


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