Borrow from a bank you can trust to keep your best interest at heart. The Clay City Banking Company has been helping families across Southeast Illinois for more than a century. Find flexible terms and a competitively low rate on both secured and unsecured personal loans. So you move forward with the finances you need, without selling your future short.
- Competitively low interest rates
- Secured and unsecured loan options available
- Funds available for practically any purpose
- Same day approval available
- Local Southeast Illinois loan decisions
- Affordable payment terms suited to your needs
- Dedicated, personal attention
Secured vs. Unsecured
The Clay City Banking Company offers both secured and unsecured loans. A secured loan is backed by collateral, such as your certificate of deposit or vehicle title, and offers generally lower rates than unsecured loans. A fixed-rate unsecured loan is perfect for financing a one-time expense. You'll get the benefit of either a monthly payment or a term loan — no collateral down. Our loan terms depend on credit analysis.