Personal Lending

Fast and friendly processing and approval with installment plans to meet your needs. All loan decisions are made right here at home in Perkins, Oklahoma!

Current Payne County Bank Prime Rate is 5.50%

Personal Loans: vacation, education, and other personal needs...

Personal Loans

  • Vacation
  • Other personal needs


Mortgage & Real Estate Loans: new and existing homes, mobile homes, acreages, mortgage refinancing, home improvement loans...

Mortgage & Real Estate Loans

Competitive rates and closing costs on all types of mortgages. We do not charge points to close our in-house mortgage loans, and these loans are never sold to other lenders! In addition to our in-house mortgage loans, we also offer secondary market loans with fixed rates and flexible payback terms.

  • New and existing homes
  • Mobile homes
  • Acreages
  • Mortgage refinancing
  • Home improvement
Auto Loans: cars, trucks, SUVs, RVs, ATVs, motorcycles and more...

Auto Loans

  • Automobiles – cars, trucks, SUVs
  • Recreational vehicles – boats, RVs, motorcycles
  • Competitive Rates!

Ask us about GAP insurance to protect your automotive interest in the event of a total loss.


Learn more about Payne County Bank's Rt. 66 Extended Automobile Warranty…

Special Protection for Automobile Purchases
(Rt. 66 Extended Automobile Warranty)

  • Pays repair bills for covered mechanical failures
  • Zero deductible
  • Emergency roadside service
  • Almost any vehicle qualifies – ask us for a quote!
  • Less expensive than most dealer plans

Learn more» FAQs about Extended Warranty

Agricultural Loans: farm land, farm equipment, livestock, conventional and FSA guarenteed loans...

Agriculture Loans

  • Farm land
  • Farm equipment
  • Livestock
  • Conventional and FSA Guaranteed loans