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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
  • Flexible terms to fit you and your family
  • Dedicated, personal attention

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.