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Loans


At Elgin State Bank™, we’re here to provide you with financial solutions for all your lending needs. Whether you are looking for a loan, mortgage, or line of credit, our knowledgeable and experienced lending team will explain our lending options to you in a straightforward manner.

Unlike big banks, at Elgin State Bank™ we’re proud to make all lending decisions here in St. Charles, Geneva, Elgin and Aurora. Since our decision-makers work in the bank each day, they’ll review your loan application and respond within a few days. Our goal is to make getting a loan an easy and stress-free process!

Some of our loan products include:

Home Equity Lines of Credit

Our home equity lines of credit can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

  • Improving your home
  • Purchasing a vehicle
  • Paying off medical bills
  • Consolidating debt
  • Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Overdraft Protection

Our Overdraft Protection Account allows you to cover the unexpected opportunity or the occasional overdraft.

•    Fixed interest rates
•    Flexible line amounts
•    Requires credit approval

Call (847) 888–7950 for more information or talk to one of your friendly personal bankers at your nearest Wintrust Community bank

 

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles

 

Contact Us

 

If you’re in the market for a loan, we encourage you to give us a call at (847) 888–7950 or stop by the bank to meet with our lending team at any of our locations. If you prefer to communicate electronically, please fill out this contact form, and a bank representative will get in touch with you shortly.  At Elgin State Bank™, we understand the local market and we care about our customers financial well-being!