Personal Loans

Loan solutions shaped around you.

From planned purchases to unexpected needs, OakStar pairs flexible lending options with guidance tailored to your priorities—so you have the support you need at every step.

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Lending Designed Around You

A more personal approach to borrowing.

Consumer lending at OakStar is built around individuals and families, with a consistent, attentive approach throughout the process. We take the time to understand your goals, then help you choose a loan that lines up with your timing and budget.

Real conversations, thoughtful guidance.

We listen first, then walk you through your options.

Options built for everyday needs.

A range of loan solutions designed for real-life plans.

Support you can rely on.

We help you navigate options, paperwork, and closings.

A process that fits your routine.

Meet in person, work mostly online, or combine both.

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Built for Real, Built for You

Discover flexible options for the way you live and spend.

Use the value in your home, cover larger purchases, or explore additional ways to borrow that meet your priorities.

Turn your home’s equity into a revolving line of credit you can use as needs come up.

Financing for vehicles and other significant expenses to keep you moving forward.

Personal construction, land, and home equity loans for your next big project.

Vacation loans, CD-secured loans, debt consolidation, and more.

A homeowner using a home equity line of credit for financial flexibility.

Thoughtful Solutions, Stronger Support

Access funds when you need them with a HELOC.

A Home Equity Line of Credit (HELOC) gives you the flexibility to draw funds over time—whether you’re updating your home, handling medical expenses, consolidating balances, or planning a major purchase.

Key features:

Up to 90% loan-to-value for properties under $750,000
Minimum loan amount: $10,000
Interest-only payment options may be available
20-year amortization structure
$100 origination fee, plus applicable closing costs*

Better Insight, Simpler Decision Making

Let’s talk through your options.

Whether you’re comparing loans or ready to apply, our team can help you sort through the details and take the next step—with a clearer understanding of what works best for you.

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*Home Equity Line of Credit - The Annual Percentage Rate (APR) is variable and may be based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. The APR for 80% or less loan to value the base rate is 6.75% APR. For any loan over 80% loan to value the APR base rate is 7.75%. The rate will not vary above 20% APR, or applicable state law, or below 6.75% APR, depending on market. The loan fee under the plan is $100. There is an Appraisal Review Fee of $75 for the plan. In addition, title fees generally cost $3.00- $6.00 per $1,000 financed, transfer taxes generally cost $1.00 per $1,000 financed, and other fees related to the loan range from $825-$3500. Repayment options may vary based on credit qualifications. Interest only repayment may be unavailable. Loans are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Credit Line may be reduced or additional extensions of credit limited if certain circumstances occur. Property insurance is required. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. Other restrictions may apply. Some exceptions do apply. Does not apply to Bridge Home Equity Loans. Contact an OakStar lender for more details. Borrower pays closing costs including but not limited to appraisal, title search, recording fee, flood certificate, and credit report.