Lending Tools for Individuals and Businesses
Waldo State Bank provides loan options tailored to your individual and business needs. We provide consumer loans, personal loans, commercial and real estate loans, agriculture loans, and access to school loans in partnership with Sallie Mae®!
Loans
Consumer Loans
Waldo State Bank offers various types of consumer loans, including auto loans, home equity loans, personal loans, and consolidation loans, all at competitive interest rates. Our Loan Officers are here to assist you with your lending needs.
By clicking the 'Apply Now' button, you will be directed to the consumer loan application form.
Apply Now
Loans
Commercial Loans
Waldo State Bank offers a variety of commercial lending tools to help finance all areas of your business:
- Term loans to purchase inventory, vehicles, or equipment.
- Real Estate loans to purchase or refinance.
- Operating Lines of Credit.
- Letters of Credit.
- Credit Cards.
- SBA guaranteed loans.
By clicking the 'Apply Now' button, you will be directed to the commercial loan application form.
Apply Now
Loans
Real Estate Loans
Waldo State Bank has loans available to purchase, build, or refinance your dream house, vacation home, recreational property, or rental property. Fixed rates, Balloon and Adjustable-Rate Mortgages (ARMs) are available at competitive rates with low closing costs. Free prequalification to help you select the right real estate loan for your needs. Reach out to our knowledgeable local decision-making lenders to assist you.
By clicking the 'Apply Now' button, you will be directed to the real estate loan application form.
Apply Now
Loans
Agriculture Loans
At Waldo State Bank we offer a variety of agriculture loans including operating lines of credit, machinery and equipment, agriculture real estate loans, and FSA guaranteed loan programs.
Wherever you are in your higher education, get the money you need for school. Student loans from Waldo State Bank in partnership with Sallie Mae® could help!
For borrowers attending or borrowing for a student attending a degree-granting institution
Loans
School Loans
Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment1
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for
college. Students and families should evaluate all anticipated monthly loan payments, and how much the student
expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. Waldo State Bank is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
Parent Loan: This information is for borrowers with students attending participating degree-granting schools. The student is not eligible to be a borrower or cosigner. The borrower, cosigner and student must be U.S. citizens or U.S. permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower, and cosigner (if applicable) would still be responsible for repaying that amount. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2019 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
