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Personal Loans

Our promise of how Blue Sky Bank will work with you:

  • We will pick up the phone and answer your questions, no strings attached.
  • We’ll work quickly to understand your financial situation before ever suggesting ideas and solutions.
  • We’ll devise a range of solutions that make sense for you and make sure you clearly understand the advantages and disadvantages of each option.
  • We will be straightforward with you about whether we are able to compete with other solutions you’ve shopped.
  • Even if you’ve eliminated Blue Sky Bank from your set of possibilities, we’ll offer our expert opinion on your other options.
  • Contact Blue Sky Bank by phone or email and one of our experts will get back to you within the next business day, if not sooner.

Whether you are seeking a loan for home improvement, buying your child’s first car, or buying a vacation home, Blue Sky Bank will find the best personal loan solution for you. 

A personal loan is money that is borrowed from a bank and paid back in fixed monthly payments, typically over a few years, along with interest. These interest rates will vary based on your credit score.

The world of consumer lending is a complicated one. That’s why Blue Sky Bank works to help you navigate through the different loan offers, rates, and terms. 

Speak with one of our lenders today:

  • Visit any of our four branch locations during business hours whose addresses are listed at the bottom of the page.
  • Call us at any of the four branch locations during business hours whose phone numbers are listed at the bottom of the page.
  • Download and fill out the Personal Loan Application.

Vehicle Loans

Want to hit the road in a new set of wheels? A car loan is secured against the new or used vehicle you want to buy, meaning the car itself serves as collateral for the loan. These loans typically translate to lower fixed rates.

Most car loans are fixed at 36 months, 48 months, or 60 months. The terms and interest rates of these loans are typically determined by the age of vehicle and the amount of the borrower’s down payment. Interest rates are typically fixed for the entirety of the loan repayment term.

Recreational Loans

Your next adventure starts here. Recreational loans are secured by the recreational vehicle you wish to buy, such as a motorcycle, camper, motor home, snowmobile, boat, or ATV (all-terrain vehicle). Blue Sky Bank offers competitive rates and flexible financing solutions.

Mortgage Loans

Buying a home is one of the biggest decisions and investments you’ll ever make. Mortgage loans are secured by the real estate itself and can be used to buy a home, build a new home, or refinance an existing mortgage. Your income, down payment amount, existing debts, and credit score will all factor into your loan options.

Construction Financing

Gain control of the home-building process with a construction loan. This loan works for anyone investing their time and money in construction or related expenses including homeowners, contractors, and business owners. Aside from the building itself, a construction loan can also be used to pay for building equipment, materials, and employees used for construction.

Blue Sky Bank’s experienced lending team will not only support and monitor the construction of your dream home, but will also provide access to long-term financing through our mortgage lending partners.

Vacation Home Loans

Need to get away? Whether you’re thinking about buying a second home as an investment, a regular getaway, or a place to retire, owning a vacation spot can be a smart purchase. You can take out a conventional mortgage loan on the second home, or finance the vacation home using your current house’s equity with a HELOC (home equity line of credit).

Blue Sky Bank will work to help you choose the smartest way to finance your vacation home, whether it sits on a lake in Oklahoma, along the beach, or nestled in the mountains.

Personal/Unsecured Loans

An unsecured loan is a personal loan that doesn’t require you to put up any collateral for the loan. That means if you default on the loan, there is no collateral to claim as compensation. The risk you take on with an unsecured loan is to your personal credit score.

Unsecured personal loans typically have higher annual percentage rates than secured loans. Your credit report will serve as an important factor in your approval for an unsecured loan.

Cash-Secured Loans

Bump up your credit score while protecting the money in your bank account with a cash-secured loan. These are loans secured by CDs (certificates of deposit) or marketable securities.

Cash-secured loans essentially allow you to borrow against your own savings in the bank. Because your money is readily available, this loan is a minimal risk and easier to get approved for. Those who cannot qualify for other types of loans, such as unsecured personal loans or credit cards, might consider cash-secured loans. Rates for cash-secured loans are typically lower than they are for unsecured loans.

Cash-secured loans can be used for any purpose. It can come in the form of a lump sum, line of credit, or a cash-secured credit card.

Apply for a Personal Loan

Please click to print the Personal Loan Application for your use and deliver or mail it to the bank. Please do not use this application for real estate-secured requests. We cannot prevent unauthorized interception of information transmitted by you over the internet. You should not email any personal or financial information to the bank through the internet, including this loan application, your account number, or your social security number.

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