The First National Bank & Trust Co. is now Brooks Bank. New name, same people, same community banking you trust. Learn More

Personal Loan Options for
What Matters

Whether you need a new vehicle, want to consolidate debt, or have a project in mind, Brooks Bank's experienced lenders make local decisions and move fast to get you funded in Oklahoma City and the surrounding areas.

Personal Loan Services

Lending Made Personal

At Brooks Bank, personal lending is exactly that: personal. Our experienced lenders work with you face to face to find the right loan for your situation. From cars, boats, and RVs to home improvements and debt consolidation, we make it easy to have the life you want. As your personal loan bank in the Oklahoma City area, we keep decisions local. Bring two forms of ID, a completed application, and we will handle the rest.

Loan Options

Explore the personal loan options available at Brooks Bank. All loans are subject to credit approval and/or subject to additional terms and conditions..

Vehicle Loans

Finance your next car, truck, motorcycle, boat, RV, or recreational vehicle with competitive rates and local service.

Vehicle Loans

  • Competitive fixed rates
  • Flexible terms
  • Fast local decisions
  • Finance new or used vehicles
  • Bring two valid forms of ID to the nearest Brooks Bank location

Debt Consolidation Loans

Simplify your finances by combining multiple payments into one manageable monthly loan.

Debt Consolidation Loans

  • Combine high-interest balances into a single, lower-rate personal loan
  • Fixed monthly payments make budgeting easier
  • Talk to a lender about your options

CD/Savings Secured Loans

Use your Brooks Bank CD or savings account as collateral for a lower rate without touching your savings.

CD/Savings Secured Loans

  • Lower annual percentage rate by using your existing CD or savings as collateral
  • Immediate funding, often same business day
  • Simple application
  • Fixed term, fixed rate
  • Helps build your credit history

Home Improvement Loans

Fund remodeling, additions, and other improvements to your Oklahoma home.

Home Improvement Loans

  • Finance renovations, additions, and repairs
  • Competitive rates with flexible terms
  • Local lenders who understand Oklahoma homeownership
  • Schedule an appointment with your local Brooks Bank lender

Trusted Stories ‍in Motion

Faqs

Frequently Asked Questions

What is the maximum amount I can borrow for an unsecured personal loan?

Loan amounts are determined on a case-by-case basis depending on your financial profile. Contact a Brooks Bank lender at any location or call 405-224-2200 to discuss your borrowing needs.

Can I use a personal loan for debt consolidation?

Yes. Many Brooks Bank customers use personal loans to consolidate higher-interest debt into a single, fixed-rate monthly payment. This can simplify your finances and potentially lower your overall interest costs. Talk to a lender at any location to discuss your specific situation.

How fast can I get a personal loan approved and funded?

In many cases, personal loans can be approved and funded the same day. Visit any Brooks Bank location in the Oklahoma City area with two forms of ID and a completed application, and our lending team will work to get you an answer as quickly as possible.

Do I need to provide collateral to secure a personal loan?

This depends on your creditworthiness and the term of the loan. Some loans may require collateral while others do not. Secured loans, such as CD/savings loans or vehicle loans, use your asset as collateral and typically result in a lower interest rate. A Brooks Bank lender can walk you through your options.

Are there any prepayment penalties if I pay my loan off early?

No. Brooks Bank does not charge prepayment penalties on personal loans. You are free to pay off your loan early without any additional fees.

What is the minimum credit score required for a personal loan?

Brooks Bank evaluates each loan application individually based on a combination of factors, not just a single credit score. We encourage you to visit a location or call 405-224-2200 to discuss your specific situation with a lender.

Contact us

Get in touch today!

Have questions or need assistance? Our team is here to help. Whether you’re looking for more information about our services, need support with your account, or want to explore how we can work together, feel free to reach out. Contact us anytime and we’ll get back to you as quickly as possible.

*Do not provide confidential personal or account information when completing this form.