Personal Loans

Our loan team is your lender of choice for advice and options to fit your personal and your family's financial needs. Do your plans involve a new car, appliance, recreational vehicle, motorcycle or a dream vacation you've always wanted to take? Whatever it is we will work to provide you a fast and friendly response with immediate approval and processing when possible.

As a locally owned bank your credit conversations stay here and our convenient and flexible programs will match your needs and budget with a loan that's right for you.

We offer affordable fixed or adjustable rate options on many types of loans with both secured and unsecured terms. The convenience of having your payments deducted automatically from your checking or savings account can, in some cases, qualify you for a discount on your loan. Borrowing against your savings or CD is an option which ensures you a very low loan rate while preserving the growth of your deposit account for future use.

Consumer loans come in many shapes and sizes but whether your solution is a simple fixed rate auto loan, bill consolidation, home equity or personal line of credit (ready reserve), careful shopping for your financing will prove we offer home town comfort and affordable choices.

Please call on our loan officers for additional information, consideration and support for your personal loan needs.

Fair Lending in our Community

It is our position to comply with the intent of all applicable consumer and fair lending laws. Our policies and procedures reflect this bank's commitment to serving Owen, Monroe and surrounding counties in a fair and equitable manner. The bank's lending resources will be allocated in a process consistent with prevailing or anticipated economic conditions in accordance with sound asset management practices. No individual will be denied the services of Owen County State Bank due to discrimination because of race, color, religion, sex, marital status, or age. Employees are instructed to treat all persons fairly and not to discourage any from applying for credit. Owen County State Bank will accept and consider all signed and submitted applications for credit and will grant such credit based on safe and sound banking principles.

Personal and
Auto Loan


Heather Brouse
Office: (812) 935-4814

Shannon Roberts
Office:  (812) 935-0413

Judy Scott
Office: (812) 935-0414


Sara Glass
NMLS# 763400
Office: (812) 829-4811

Tina Jackson
NMLS# 1488228
Office:  (812) 829-4811


Office: (812) 879-4218

Senior Vice President
Lending Operations 

Danielle Conner
NMLS# 527732
Office: (812) 829-4811


©2015 Owen County State Bank. Member FDIC. Equal Housing Lender - NMLS 518354.