Personal Lending

First Western Bank offers a full range of consumer lending options: vehicle and recreational loans (cars, trucks, motorcycles, boats, jet skis, campers, snowmobiles, RVs, ATVs, golf carts, and more), personal loans for life events like weddings, vacations, or a new mobile home, Ready Reserve overdraft protection, debt consolidation loans, and Home Equity Lines of Credit for home improvement projects. Talk to a local Consumer Loan Officer to find the right fit for your goals.

Yes, you can apply for Vehicle or Recreational Loan, Personal Loan, or HELOC online through our secure platform. If you prefer to speak with someone in person, our team is always available to guide you through the application process.

You’ll need a valid government-issued ID, proof of income (such as recent pay stubs or tax returns), information on existing debts and assets, and details on what you’re financing. Federal law also requires us to collect your name, address, date of birth, and other identifying information when opening any new account or loan. Your local Consumer Loan Officer will walk you through anything else specific to your loan type.

Ready Reserve is a line of credit linked to your First Western checking account that prevents overdrafts and returned items. When your checking balance can’t cover a transaction, advances are made automatically in $100 increments to keep your account in good standing. It gives you peace of mind without the cost of an overdraft fee on every transaction.

Yes. First Western offers debt consolidation loans that combine multiple debts, credit cards, medical bills, smaller loans, into a single monthly payment, often at a lower rate than revolving credit. Stop in to see a Consumer Loan Officer who can review your current debts and structure a consolidation plan that fits your budget.

A HELOC is a revolving line of credit secured by the equity in your home, giving you flexible access to funds for projects like kitchen remodels, deck builds, or other home improvements. You only borrow what you need and pay interest on the amount drawn. Review our HELOC Pre-Disclosure for current terms, or talk with a loan officer about whether a HELOC is the right fit for your project.

No. First Western’s consumer loans have no hidden fees or payoff penalties, so you can pay off your loan early without an extra charge. Other fees may apply depending on the loan type, and certain loans may require an appraisal. Your loan officer will explain any costs up front.

All loan decisions at First Western Bank are made locally, not at a regional or national underwriting center. That means your application is reviewed by a Consumer Loan Officer who knows the community, can ask informed questions, and can move quickly to a decision. It’s one of the advantages of working with a local community bank.

Loan payments can be mailed by all customers to the Main Bank:

First Western Bank
PO Box 1090
Minot, ND 58702-1090