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Serving the West Salem, Ashland, Marshallville and Rittman Communities of North Central Ohio MENU

Personal Loans

Farmers State Bank is ready to help you with all of your financing needs. If you are looking to make a major purchase, take a well-deserved vacation, or would like to have additional funds available for unexpected expenses, a Personal Loan may be right for you.

Our personal loans offer flexible repayment options and there are various credit terms available to fit your needs. We offer installment loans, home equity lines of credit, personal lines of credit and single pay!  Applying takes only a few minutes and decision are quick. Just call in or stop in today!  

Installment Loans

Whether you're looking for a car, truck, SUV, camper, new mower, etc. we offer financing to meet your needs and terms to fit your budget.

  • Competitive rates
  • Multiple term options
  • No prepayment penalty
  • FREE access to Farmers State Bank Online to view your account information
  • Make your loan payment online for FREE

Residential Mortgage Loans

Whether you’re thinking about buying a new home, remodeling, building or simply trying to determine whether or not refinancing is right for you, we can help. We will explain the various loan options available and help determine which option may best meet your goals and objectives. For more information, click here.

Home Equity Loans & Lines of Credit

Opening a Home Equity Loan or Line of Credit is borrowing against the equity in your home — enabling you to get much lower interest rates than credit cards and other forms of credit.  A Home Equity Loan or Line of Credit is the smart way to pay for things. It can provide you a simple way to save money on monthly bills – and even on your taxes*! You can even use the equity in your home to consolidate debt and reduce your total monthly payments. 

 Home Equity Loans & Lines of Credit can be used for:

  • Making Home Improvements
  • Consolidating Bills
  • Buying a New Car, Truck, SUV or Boat
  • Vacation Expenses
  • Medical Expenses
  • Investing
  • Paying Taxes*

Farmers State Bank offers Home Equity products with competitive interest rates and flexible terms. You'll even have access to view your account information and make payments online for FREE. Applying is quick and easy – apply online, stop by one of our convenient locations, or call today.

*Consult your tax advisor regarding the deductibility of interest and potential tax savings.