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Commercial/Small Business

Loans are available to businesses both large and small. Whatever the need we provide commercial loans for new facilities, expansion and development, commercial real estate purchases; both construction and permanent, working capital, new equipment, agriculture and investing opportunities, our business loans offer flexible terms and competitive rates.

SBA Loans

The U.S. Small Business Administration (SBA) provides financial, technical and management assistance to help Americans start, run and grow their businesses. OakStar is approved by the SBA to make guaranteed loans to small business. Loan proceeds can be used for real estate, furniture and fixtures, machinery and equipment, working capital and to a limited degree, to refinance existing debt.

Our decisions are made here under our roof locally.

OakStar Bank will assist you in managing your financial needs conveniently and quickly.

Talk to our experienced lending officers about a loan package to suit the unique needs of your business.

Phone: (417) 877-2020 or contact us via our Secure Form.


OakStar Bank offers a variety of personal loan options, including new auto loans, used auto loans, recreational vehicle loans, Home Equity Credit Line and second mortgages.

With competitive rates, experienced professionals, local decisions, and an easy convenient process, you are sure to find a loan at OakStar Bank that fits your needs. Call or stop by our convenient bank to discuss your needs with one of our experienced financial professionals.

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Construction Loans
  • Home Equity Loans
  • Installment Loans
  • Home Improvement Loans
  • Second Mortgage Loans
Phone: (417) 877-2020 or contact us via our Secure Form.

Home Equity Line of Credit

If you are a homeowner, the equity in your home can be used to secure a line of credit, which may be used for any of your financial needs including home improvements, vacations, tuition, medical expenses, business, credit card consolidation, etc. Consult your tax advisor for tax deductibility information on Home Equity Credit Line. Our Home Equity Credit Line has competitive variable rates. Call or stop by our banking center to discuss a Home Equity Credit Line with one of our experienced home loan professionals.

Phone: (417) 877-2020 or contact us via our Secure Form.


OakStar Bank offers a variety of residential mortgage options, whether you are purchasing or refinancing. You will receive personalized service and your loan application will be processed quickly and efficiently by one of our loan officers. Call or stop by our convenient bank and visit with one of our courteous experienced home loan professionals today.

Home loan options include:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Balloon Mortgages
  • Construction Loans
  • Vacation Home Loans
  • Investment Property Loans
  • Home Equity Loans
  • Home Improvement Loans

To apply for a home loan now, click here.

For current rates, click here.

Phone: Springfield: (417) 447-9555, Kansas City (816) 216-7629 or contact us via our Secure Form.

Commercial Real Estate

OakStar Bank can assist you with all your commercial real estate needs. If you need to buy a building, refinance an existing office location or build a new building, OakStar offers business mortgage loans at competitive interest rates. Loan decisions are made here at OakStar Bank so there is a fast turn-around made by experienced lending associates.

Loan decisions are made here at OakStar Bank by experienced lending associates so you can expect a fast response.

  • Construction Loans
  • Short Term and Long Term Loans
  • Investment, Commercial, Industrial, and Apartment Loans
  • Small Business Administration (SBA) Real Estate Loans
  • Home Equity Credit Lines
  • Refinance Loans
  • Investment Property Loans
  • Lines of Credit
Phone: (417) 877-2020 or contact us via our Secure Form.

Agricultural Loans

Oakstar Bank provides all types of agricultural loans including operating line of credit, equipment financing, livestock financing, and real estate loans. Any of our loan products can be tailored to specifically fit the needs of your operation. OakStar's rates and terms are competitively priced. Come by and let our lending officers' visit with you about your operating and borrowing needs.

Phone: (417) 877-2020 or contact us via our Secure Form.

Credit Cards

With an OakStar Bank Credit Card, we offer several options for business and individuals tailored to your specific needs.  Our credit cards are easy and convenient to use worldwide and offer a variety of choices such as select rewards cards with no annual fee.  OakStar Bank Visa credit card is the only card you will ever need.

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Phone: 417.877.2020 or contact us via our Secure Form

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