Personal

From opening your first checking account to researching retirement accounts,
First National Bank of Oklahoma has solutions that are perfectly suited to fit your needs.

Personal

From opening your first checking account to researching retirement accounts,
First National Bank of Oklahoma has solutions that are perfectly suited to fit your needs.

Personal Bank Loans

Whether you’re financing a car, boat, home remodel, vacation, education expenses or a medical expense, First National Bank of Oklahoma can tailor a personal bank loan to your budget and needs. We offer a wide variety of loan products with competitive rates and flexible terms. Please select a personal loan service below for more information.

Consumer Bank Loans

First National Bank of Oklahoma brings you the best consumer bank loans. Whether you need an auto loan or recreation loan, we can help.

Contact us at one of our four bank locations in Oklahoma City, Tonkawa, and Ponca City to get started.

Recreation Loans

If you are purchasing an RV, boat, or other recreational item, First National Bank of Oklahoma can personalize the repayment plan to fit you.

Auto Loans

First National Bank of Oklahoma has competitive auto rates and our personal loan services are what keeps our customers coming back. We design each loan to fit your individual situation.

Consolidation Loans

Our lending staff has years of experience in assisting customers in restructuring/consolidating their debt. We take the time to understand your situation so we can have a positive impact on your financial future.

Home Loans

First National Bank of Oklahoma would like to welcome you to the Home Loan Department.

This department offers many types of products for the purchase or construction of new residences, second homes or investment properties. Also, we offer products for the refinance of current homes for home improvements, debt consolidation, or cash-out of equity.

A home is the most valuable asset you can have and the purchasing and refinancing process can be a frustrating experience. We at First National Bank of Oklahoma want to ensure you this process does not need to be frustrating with the assistance of our home loan specialist. We can offer fast and easy pre-approvals before you begin shopping for that new purchase or considering that refinance by contacting our home loan specialist.

Contact us at one of our four bank locations in Oklahoma City, Tonkawa, and Ponca City for more detailed information.

Products

There are many different types of home loan products available to fit your needs. Loan terms can range from 10 to 30 years with either fixed or adjustable rates. We offer competitive rates and fees with a no fee lock-in rate protection up to 70 days. Extended locks are available with lock-in fee.

Different products available consist of:

  • Conventional Loans – fixed interest rate for term of loan.
  • FasTrak Home Loans
    • 15-year in-house loans
    • Quick local approvals
    • Closings in 2-4 weeks after approval
    • Fixed interest rates
    • Up to 80% loan to value for qualified borrowers
    • Purchases or cash-out refinances
    • Construction-to-permanent single closings
    • Owner-occupied dwellings only
    • Available in the following Oklahoma counties: Kay, Osage, Noble, Grant, Garfield, Oklahoma, Logan, Cleveland, and Canadian counties
  • 5 Year Balloon Loans– fixed interest rates for first 5 years then balance re-amortized for remaining term of loan at current market rates.

Contact us at one of our four bank locations in Oklahoma City, Tonkawa and Ponca City for more detailed information.

Residential Real Estate Loans

Buying a new home and still haven’t sold your current home? We offer bridge loans to get you into your new home now. We also offer quick approval and low hassle in-house residential purchase or refinance loans with fixed or variable interest rates, up to five-year terms and amortizing up to twenty years. Many times these loans can be closed in just a few days after application. 

Mortgage Lending

Our in-house mortgage loan officers can assist you with a full range of long-term mortgage loan products.

Resources

The following links may be helpful:

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