Personal Loans

First National Bank Bemidji makes personal loans for almost every purpose. Whether you are looking to buy a car, manage your debt or purchase a home, your personal banking partner will discuss your needs and describe the loan options available to you.

Meet our Lending Team

Personal loans may be used for:

  • Cars or Trucks
  • ATVs or Snowmobiles
  • RVs, Motorcycles or Boats
  • Personal Expenditures
  • Checking Reserve

These loans are not secured by your home and interest is not tax-deductible. Please select Apply for a Personal Loan if you are applying for a loan not secured by a mortgage.


Holiday Cash Promo

We’re offering special 10.9% APR* loans from November 21 to December 9, 2022. Use them for any holiday spending and avoid huge credit card bills. It only takes a minute to apply.

Select loan type “Other” and enter “Holiday Cash” on your loan application.

*Annual Percentage Rate (APR) available November 21 - December 9, 2022. Maximum loan amount not to exceed $1,000 per individual or $2,000 per family. Normal underwriting applies. All loans subject to credit approval.


We encourage you to use our online loan applications to initiate the loan approval process. Please call 218-333-4320 if you need assistance. We also offer a Checking Reserve credit line for overdraft protection and other expenses. Please stop in any of our three office locations and ask for a Checking Reserve Application or call 333-4320 and ask to receive it by US Mail.

  • Pay by U.S. Mail - just mail in your payment with your loan coupon.
  • Stop by any of our three locations and drop off your loan payment.
  • No Fee Online Option - Registered Loan Payments. After you register online, make your payments with ease via ACH (automated clearing house). This option is your easiest option for an electronic delivery of your payment - just a few clicks to pay your monthly loan payment. (No fee if you register)
  • Online Option - Guest Loan Payments. No need to be registered; just provide your loan number and other identifying information as requested and make your payment via ACH or Debit Card. ($6 fee for the online "guest" convenience)
  • Pay by phone - Call 218-333-4320 or 800-448-5175 and make your monthly loan payment over the phone. ($9 fee for this convenience)