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Simplify and Save with a personal loan!
Wayne Bank offers a personal lending solution for nearly every need.

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Personal Loans

Personal loans can be unsecured, meaning that holding collateral, like your home, in exchange for lending you the funds is not required. Therefore, if you’re not a homeowner or don’t have the equity in your home needed for a home equity loan or HELOC, this may be a good option for you. Approval for a personal loan is typically based on your credit score and history, and interest rates are usually lower than most credit cards.

  • Wayne Bank is always ready and capable of offering expert personal assistance throughout the lending process.

  • Wayne Bank offers a variety and depth of lending options for financing a diverse range of purchases and activities.

  • Fast, local decisions and loan processing.

Personal Loans Unsecured Rates

Amount Maximum Term
Premium Rate* Annual
Percentage Rates
Monthly Payment
per $1000 Borrowed
$1,500 – $10,000* 60 9.99% 10.54% $21.25

*Based on a minimum credit score of 720 and subject to Wayne Bank’s credit policy. Other rates and terms available. Minimum amount is $1,500 and maximum amount is $10,000.

Annual Percentage Rates (APRs) are effective as May 18, 2023 and are subject to change without notice.

Final rate and APR will be determined based on review of credit application.

Rates and APRs for 60 month unsecured loans range from a rate of 9.99% with an APR of 10.54% and a monthly payment of $21.25 per $1,000 borrowed, as disclosed above, to 13.74% with an APR of 14.31% and a monthly payment of $23.14 per $1,000 borrowed. Cost per thousand does not include the loan documentation fee.

APR calculations include a $125 loan documentation fee and are based on $10,000 loan for unsecured loan.

Other terms and rates are available. Please contact any local Community Office for additional information.

Rate assumes monthly payment is automatically drafted from a Wayne Bank checking account.

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Loans for a variety of consumer needs including vehicles and lines-of-credit

Automobile Loans

Help keep your auto payments affordable.

Sports ATV Motorcycle Boat Loans

Low rates and terms of up to 60 months.