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Personal Loans

Your personal loan solution is closer than you think.

With competitive rates, available automatic payments and outstanding customer service, a personal loan, line of credit or cash-secured loan could be the smart answer for achieving your financial goals.

If you want it, need it or dream it, we're here to help you get it! 

Put the power of the equity already under your roof to work for you. Home equity
lines are popular methods for financing home improvements, consolidating
personal debt, and even making a major purchase like a car. Use the equity in your current home to purchase a new primary residence or a second home.
Call or visit us to get started!
Borrow money without having to pledge any collateral. Loans begin with low minimums along with fixed rates and various term options.
This simple line of credit assures funds are there when you need them.
Enjoy flexibility and peace of mind with overdraft protection on your First Bank of Wyoming checking account. Funds are advanced automatically when you exceed your cash balance.
Use your cash to your advantage! Pledge your First Bank of Wyoming Certificate of Deposit (CD) as collateral for your budget friendly CD secured loan.
Whether purchasing from a private party or your favorite dealer, drive a smart financial solution with a fixed, competitive rate for a new or used car, truck, RV, ATV, UTV, boat loan and more.
Your Solution for Building or Repairing Your Credit Score

Credit Builder is a short-term loan offered to people who are either trying to establish good credit or repair poor credit. It’s easy to set up — just stop in and see us.

How It Works

The bank makes a loan to the individual in an amount ranging from $500 - $2,000, in a repayment term that fits your budget.

Loan proceeds are deposited in a savings account under the borrower’s name and available to the borrower upon full repayment of the loan. This means you are building credit and saving for the future at the same time!

Payments to the loan are made monthly and are set up to fit your budget.

Who Should Apply?

Credit Builder is designed for anyone who wants or needs to establish good credit. You must be at least 18 years old to apply. 

Additional Benefits of Credit Builder

  • Establish or build good credit and keep the savings account First Bank of Wyoming opens on your behalf.
  • We will reduce your loan interest rate if you participate in and complete our Financial Foundation for Adults Program which is a free, web-based financial education platform that is available right here on our website. 
  • Statistics show that people who receive rigorous financial education see higher credit scores and less chance of credit delinquency.
  • There will be an option to take one withdrawal from the savings account per year when the savings account exceeds the loan balance. The withdrawal can be up to the difference of the savings account and loan balance.

Financial Foundations

Want to do even more to become financially savvy?

Financial Foundations is a free online education series provided by First bank of Wyoming that covers key concepts that can help manage your financial future.  Follow these steps below to access the playlist:

  1. Click on Financial Foundations under Education at the top of the page
  2. Select Credit Builder and click Enroll Now
  3. Select the Credit Builder Playlist

Results are not guaranteed.  Improvement in credit score is dependent on multiple factors specific to your financial behavior. For example, late payments on other financial obligations may negatively influence your credit score, even if your payments on a Credit Builder Loan are current.

All loans are on approved credit.  Bank rules and regulations apply.