American National Bank

Loans

New and Used Auto Loans

If you're looking to buy a new or used vehicle, you've come to the right place. At American National Bank we know how to make the car buying process easier
Once you've decided on the perfect car or truck, we'll work with you to arrange your financing. If you qualify, we have a variety of terms to suit your needs
Variable terms based on year, model and value
Competitive interest rates
Financing on the purchase price of new models or up to trade-in value of used ones
Option to deduct payments from any American National Bank checking or savings account
Rate discounts when payments are automatically deducted from any American National Bank checking or savings account
Contact one of our loan officers for more information.

Consumer Loans

We make loans for new or previously owned vehicles, boats, cars, RV's, college tuition, etc.
We offer very competitive rates.
Contact one of our loan officers for more information.

Commercial Loans

Thinking about expanding your business? We can help. We make commercial loans, SBA loans and offer very competitive rates.
Contact one of our loan officers for more information.

Agricultural Loans

Let American National Bank and the Farm Service Agency assist you in your farm purchase or operating loan.
Guaranteed loan applicants are beginning farmers who do not qualify for conventional loans because of insufficient net worth, or established farms that have suffered financial set backs from natural disasters or economic downturns. Many applicants are also part-time farmers who have full-time employment outside the farm.
With a Guaranteed Farm Ownership Loan (FO) you can purchase Farmland, build or repair buildings and other fixtures, and also refinance existing debt.
- Loan terms up to 30 years
- Competitive Loan rates
- Closing costs may be included in the loan
- Monthly, Quarterly, semi-annual, or Annual repayment programs
- Equity requirements may be as low as 10%
- Loans amounts up to $899,000.00
With a Guaranteed Operating Loan (OL) proceeds may be used to purchase or lease items needed for a successful farm operation, such as livestock, Farm Equipment, Feed, Seed, Farm chemicals, insurance or other operating expenses, Under certain conditions these loans can be used for family subsistence, and to refinance other debt.
- Loan terms up to 7 years
- Competitive loan rates
- Monthly, quarterly, semi-annual or annual repayment programs
- Equity requirements as low as 10%
- Loan amounts up to $899,000.00
Contact one of our loan officers for more information.

Home Improvement Loans

Find the money you need to make those home improvements you have been waiting on.
Contact one of our loan officers for more information.

Real Estate Loans

American National Bank offers competitive rates on loans to purchase lots or acreage for home building.
Conventional loans with fixed rates that are constant over the life of the loan or conventional loans with interest rates and monthly payments that adjust over the life of the loan.
Adjustable-rate mortgage loans are subject to rate-adjustment caps and a guaranteed rate ceiling to protect borrowers against large rate increases. Typical adjustment periods are 1 year and 3 years.
Insured by the Federal Housing Administration or guaranteed by the Department of Veterans Affairs, FHA and VA mortgages are offered as fixed or adjustable-rate loans. These loans are assumable and generally have lower down payment requirements, making them perfect for young families starting out.
Also available: Make it easy for borrowers who are building a new home. With an easy, one step application for both the construction and the permanent financing, you’ll save time by completing less paper work, and you’ll save on closing costs by having only one closing for both loans.
Contact one of our loan officers for more information.

Construction Loans

Interim construction loans are available to finance construction of homes. These loans provide draws to pay for the work as it progresses during the construction period.
Also available: Make it easy for borrowers who are building a new home. With an easy, one step application for both the construction and the permanent financing, you’ll save time by completing less paper work, and you’ll save on closing costs by having only one closing for both loans. Read our Home Loan brochure.
Contact one of our loan officers for more information.