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Loan Products

Get the funds you need for a variety of reasons; debt consolidation, vacation expenses or other personal needs. We are committed to helping you with all of your credit needs. At Exchange State Bank, you will experience an easy application process and a quick turnaround time.



  • Whether you are looking to consolidate debt, planning a wedding, or looking for some extra cash, the loan staff at ESB can help you get what you need!



  • Looking to purchase a new or used car?  Contact one of our loan officers to get on the road quickly & smoothly!



  • Are you looking to purchase an ATV, Snowmobile or other recreational item? Don’t let financing hold you up.  We can find the loan that fits your needs.


Personal Line of Credit

  • We will work with you to establish a total borrowing limit based on your credit and needs. From there, you borrow on that line as needed with repayments based on how much you've borrowed.


Home Improvement Loans

  • Thinking about building a new pool, putting solar panels on the roof, or remodeling the kitchen or bath? Your credit may qualify you for a home improvement loan with ESB.

Real Estate

  • Our experienced loan officers offer a wide variety of loan options. Conventional and Rural Development loans are just a few of the programs available. Let us educate and guide you into a home loan that compliments your financial future.   

To apply online visit our Mortgage Center.