Franklin State Bank offers an array of loan services at the most competitive rates. We have been in the lending business since 1901 and our loan officers educate customers on which loans work best to suit their individual needs. Whether taking out a loan for a new home or borrowing for an auto, farm, personal, or business, Franklin State Bank has the financial backing to get its customers what they need. All loans discussed in this section are subject to credit approval.


Whether you're looking to purchase a new or used vehicle, we offer auto loans to get you the automobile you need. We offer loans at competitive rates for periods of up to five (5) years. Several factors are used to determine your rate, terms, and down payment. Customers also have the option to have their payment automatically deducted from their account at Franklin State Bank. Automatic payment deduction customers avoid dealing with payment coupons, checks, stamps or envelopes. The funds are automatically deducted from the customers' account on time, each time.

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Whether it's an operating loan or purchasing farm/ranch equipment, Franklin State Bank has experienced lenders and can finance all of your agricultural needs. Loans for any aspect of your farming/ranching operation are available with excellent financing terms. Rates and terms are based on the individual needs.

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Cash Secured Loans

A certificate of deposit with Franklin State Bank can easily be used to secure a loan. The deposit account continues to earn interest while providing you a more favorable rate on your loan. Rates and terms vary based on the loan and type of deposit account.

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Business Loans

There are many reasons you need to borrow money. Whatever your needs may be, our experienced lenders are ready to assist you in finding the financing that is right for you. Our goal is to make loans in our lending area that are competitive and hassle free for the consumer. Adequate financing is essential to every business no matter how large or small. Whether you need funds to establish or expand your business, purchase or lease equipment, for inventory or a building, Franklin State Bank offers loans and lines of credit products to meet your needs. FSB is locally owned and our focus is on keeping our deposit money working in our local area in the form of loans.

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