Prairieland Loans
Our LOANS and CREDIT CARDS offer you LOWER rates, BETTER terms and monthly SAVINGS. Switch all your loans to Prairieland. The more loans you switch, the more money you save. Apply NOW!
- Mortgages & Refinances
- Home Equity Line of Credit
- New & Used Vehicle Loans & Refinancing
- Visa Credit Cards
- Debt Consolidation Loan
- Emergency Loans - Smarter & safer than a payday loan
- Vacation, Back-to-School & Holiday Loans
- Personal (Signature) Loan
Home Equity Line of Credit
Online Application
Put the equity in your home to work for you. Whether it's a well-deserved vacation, home improvements, or a college education — with a Home Equity Line Of Credit from Prairieland, the possibilities are almost endless. A home equity line of credit is a form of revolving credit in which your home serves as collateral. You can borrow a specific percentage of the appraised value of your home, minus the balance owed on your mortgage. If you've lived in your home very many years, that could be a substantial amount.
The benefits:
- Minimal Closing Costs and can be added into the Loan
- Rates As Low as PRIME+0%
- Fast & Easy Processing
- Up to 10 years to pay back
- Possible Tax Advantages (check with your tax advisor to be sure)
Check out our rates, and then contact a Member Service Representative to apply. Call 309-862-1838 x122. Here's what they'll will need from you:
- A completed Home Equity Line of Credit application
- A current pay stub. If self-employed, two (2) previous years' federal income tax returns and current profit and loss statement (year-to-date)
- Your most recent mortgage statement. If you have more than one mortgage, please provide a statement for each mortgage.
- A copy of your hazard insurance policy
New & Used Vehicle Loans
If you can DRIVE it, we can help you BUY or REFINANCE it at better rates and terms!
Buy/Refinance cars, SUVs, trucks, tractors, farm equipment, Harleys/motorcycles, RVs, ATVs, aircraft and GOLF CARTS too! Ask or APPLY now, online!
Buying a vehicle is one of the biggest purchases many of us make. At Prairieland, we offer very competitive rates on both new and used cars, trucks, watercraft & motorcycles, plus extended warranties and GAP loan protection at much lower rates than the dealers. So, if you choose to purchase any of these extras, talk to one of our loan officers and learn how we can SAVE YOU HUNDREDS OF DOLLARS. Plus, our members get discounts on AAA memberships and we offer competitive Auto Insurance - learn more!
Save Money on a New Vehicle - and Invest in America at the Same Time!
We are pleased to be working with your local dealerships to bring our members a special cash incentive. Specific GM and Chrysler vehicles qualify for up to a $1000 bonus. Visit the Auto Discounts Site and drive away with your new vehicle today. If you are ready to finance your new vehicle, contact us or apply now, online!
BEFORE YOU TALK TO A SALESMAN, talk to our Member Service Representatives to determine how much you can afford to borrow. Then take your pre-approval with you and negotiate with the dealer as if you're paying cash.
If you're planning to buy a used vehicle, be sure to check our repossessed vehicles on this Web site, with financing as low as 2.9% APR available. Check on all new and used vehicle pricing and options on our Auto Research page.
Three Easy Ways To Apply...
- Click here for a quick & easy online application
- Call a Member Service Representative at 862-1838 or toll free (800) 371-1211 x122
- Stop in and see us at 416 Kays Drive in Normal, off Towanda Ave just north of Ft. Jesse Rd.
Debt Consolidation Loan
Online Application
Are you sinking in a pool of high interest debt from multiple credit cards? You can consolidate all those balances into one debt consolidation loan. During January, February and March, you can borrow from Prairieland at 11.0% APR with various terms available, to consolidate your debt, reduce or eliminate those high credit card balances and probably lower your overall monthly payments.
Just call or stop in and see a Member Service Representative (309-862-1838 x122) and ask them how a Prairieland debt consolidation loan can help your financial situation.
Loan processing is quick & easy
You can apply online or stop by for a loan application. With a copy of your paycheck stub, which you can drop off or fax to us, we can usually let you know if your loan is approved the same day.
Special Purpose Loans
Online Application
Sometimes emergencies, vacations, back-to-school expenses, or holidays come upon us and we just don't have the extra funds to take care of them. 
If that ever happens to you, call on your Credit Union to help you out. You can borrow up to $3,500 at 11.0% APR for 24 months for the purposes below.
- Emergency Loans - Smarter & safer than a payday loan
- Vacation Loan
- Back-to-School Loan
- Holiday Loan
Our Member Service Representatives can provide all the details and help you complete a loan application. Or you can apply online. Minimum payment for one of these special purpose loans is $4.66 for each $100 borrowed. And you must qualify under the regular signature and debt ratio guidelines listed in our loan evaluation criteria. For more information, stop by or call us at 862-1838 x122 (toll-free 877-371-1211).
Personal (Signature) Loan
Online Application
Need a personal loan for a worthwhile purpose? We'll do everything thing we can to help you. Stop by or call a Member Service Representative and talk to them about it. 862-1838 x122 (toll-free 877-371-1211).
