Personal & Consumer Loans

At Texas Heritage National Bank, we believe lending should be personal.

Whether you’re buying a car, covering an unexpected expense, or simply need some financial breathing room, our loan officers take the time to understand your needs and help you find the right solution.

Forget cookie-cutter lending—we’re here to build a plan that fits your life.

What Can a Personal Loan Help With?

From everyday needs to once-in-a-lifetime opportunities, we’ve helped individuals finance:

• Auto purchases — cars, trucks, and recreational vehicles
• Major expenses — home repairs, medical bills, or large purchases
• Debt consolidation — simplify payments and reduce interest
• Unexpected events — unplanned costs don’t have to derail your plans

What Makes Texas Heritage National Bank  Different?

Local Decisions

Every loan is reviewed by someone right here in Northeast Texas, not a national call center.

Flexible Terms

We work with you to structure a loan that aligns with your goals and timeline.

Relationship-Based Service

At Texas Heritage National Bank, you’re not just an application. You’re a person, and we’re here to help you succeed.

Getting Started Is Easy

Whether you're ready to apply or just have questions, our team is here to walk you through every step.

Apply for a Personal Loan (PDF)Talk to a Loan Officer

What to Expect When You Apply

Applying for a loan atTexas Heritage National Bank is simple. It all starts with a conversation with a loan officer committed to ensuring you get what you need.

Start the Conversation

Call, visit, or apply online to tell us what you need.

Review & Customize

We’ll walk through your options and recommend a loan that fits your situation.

Quick Local Decision

No waiting on national approval queues—our team handles decisions locally.

Funds in Hand

Once approved, your funds are disbursed quickly so you can move forward.