Personal Loans

American Bank offers a wide range of loan products to meet your needs.

Our Loans Include

Contact UsMeet Our Lenders

 

Personal Loans

A loan for just about anything – whether you have an unexpected expense or just want to consolidate your debt, these loans provide cash now and offer flexible payments based on your personal situation.

Details

  • Loan Amount varies based on credit approval
  • Loans may be unsecured or secured with collateral, depending on your credit profile
  • Rate varies depending on your credit profile, term, and collateral.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Mortgage

Purchase

At American Bank, we take great pride in having loan officers who can provide advice and answer questions on how you can get the most out of your mortgage. We offer highly competitive in-house and secondary market mortgage loan products that provide numerous rate, term, and down payment options so we can customize the perfect home loan for you.

 

Purchase or Refinance

Whether you are purchasing a home or refinancing your existing home, American Bank will help you find the best loan program to achieve your goals. 

Details

  • We offer Conventional, FHA, VA, and USDA loans.
  • We offer Jumbo Loans.
  • Interest Rate varies depending on loan program, credit profile, property and loan term.

How do I apply?

 

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Home Improvement

Looking to remodel? Add square footage? Build a pool? We can help make those dreams come true!

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Details

  • Interest only period while improvements are being completed.
  • Rate varies depending on your credit profile, term, and property.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Home Equity

Use the equity in your home to finance a remodel, consolidate debt or finance other big purchases.

Details

  • Borrow based on the value of your home, subject to credit approval.
  • Rate varies depending on your credit profile, term, and property specifics.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lot Loans

Looking to purchase a lot for a future home? We can help!

Details

  • Interest only payments while you plan your future home.
  • Borrow based on the cost/value of your home.
  • Rate varies depending on your credit profile, term, and property.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Construction Loans

While some search for their dream house amongst homes already built, others prefer to customize their home from the ground up. American Bank has expert lenders that can guide you through the process.

Details

  • Borrow based on the value of your completed home, subject to credit approval.
  • Interest only payments while you complete construction.
  • “One time close” products available.
  • Full array of permanent financing options available upon completion.
  • Jumbo construction loans available.
  • Rate varies depending on your credit profile, term, and home specifics.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Automobiles

Whether you are hunting for a new or used vehicle, American Bank can have you ready to roll in no time!

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Details

  • Get pre-approved before you go shopping.
  • Rate varies depending on your credit profile, term, and vehicle.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Recreational Vehicles

Whether you want to say hello to the open road, create your own path, or spend a day out on the water, we want to help you enjoy your day!

RV Details

  • Finance new or used RVs.
  • Rate and terms vary depending on your credit profile and RV specifics.

Boat Details

  • Finance new or used boats.
  • Rate and terms vary depending on your credit profile and boat specifics.

ATV Details

  • Finance new or used ATVs.
  • Rate and terms vary depending on your credit profile and ATV specifics.

How do I apply?

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lending Team

Round Bank

  • Brad Neimer - Executive Vice President - 254-867-7610 NMLS#1637903
  • Jim Lambert Senior Vice President Lending –254-867-7637 NMLS#452932
  • Ashley Posey Assistant Vice President  - 254-867-7601 NMLS#938545

American Plaza

  • Dana Hassell President and CEO – 254-751-8340 NMLS#452929
  • David Hicks Executive Vice President – 254-751-8302 NMLS#452930
  • Willard Still Vice Chairman – 254-751-8301 NMLS#452935
  • Kyle Akin Executive Vice President and Chief Lending Officer – 254-751-8338 NMLS#452927
  • Mike Schmidt Executive Vice President Lending – 254-751-8321 NMLS#452933
  • Vicki DeGraw Vice President Mortgage Loan Officer – 254-751-8305 NMLS#452928

Downtown

  • Nick Deaver Vice President - 254-751-8362 NMLS#1560966

 

Waco, Texas
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