personal LOANS

You have plans. We have solutions.

Personal loans made easy.

A grand adventure, a renovated kitchen or a sweet ride? Fund whatever your dream is with a personal loan from First Internet Bank! We make your borrowing experience easy and stress-free. We offer a variety of personal lending options, from a Cashback Credit Card to convenient auto loans. We’re here to help.

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Vehicle Loans

You have places to go and we can help you get there. Whether it’s a shiny new ride, a loaded RV or horse trailer, we offer a range of loan options with competitive interest rates.

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Credit Card

Earn 3% cashback for gas transactions and 1% for all other purchases — and with no annual fee! It’s like money in your pocket!

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Student Loans

Cover your education expenses with our Smart Option Student Loan® for First Internet Bank by Sallie Mae®. It offers a number of options to help you pay for college expenses.

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TESTIMONIALS

What are people really saying?

“Fantastic bank to work with. Customer service and attention to detail in walking through the loan process were top notch. John was a fantastic resource for us in deciding which loan worked best for our needs. Highly recommend.”Dustin W.

“Super easy to work with and made getting a RV loan simple! Great experience and was very quick. Matt was very helpful and walked us thru everything. Impressed with his customer service! Got a great rate and new RV to boot!”Leisa B.

“We’ve been using First Internet Bank since its inception and are thrilled with the service. Everything is seamless, and when I’ve called for customer support, I’ve received it very quickly. Always very helpful.”Janet N.

Personal Loans

Find the loan that is right for you.

Call them what you want: Hopes. Dreams. Aspirations. If achieving them requires a little financial help, a personal loan could be the answer. Choose the amount you need, select the term and make a set payment for the life of the loan. Then, just focus on making those plans a reality.

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Rate determined by factors such as type of loan, collateral, term, amount of loan, credit worthiness and applicant’s relationship with First Internet Bank. APR = Annual Percentage Rate and is calculated using interest rate plus applicable fees. Rates last updated 12/11/2025. Rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Applications are subject to credit approval. *Other rates and terms may be available.

Personal Loans

Flexible terms, competitive interest rates and an online application. What could be better?

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Rates*	From 11.99% Annual Percentage Rate (APR)
Terms up to*	60 months (Payments from $22.25 per $1,000 for 60 months)

Horse Trailers

Do you think you could find a better option? We say “neigh.”

Beginning to think about a new horse trailer with more safety features or greater comfort for you and your horse? Maybe you simply want to upgrade models. In any case, First Internet Bank can finance your new trailer directly.

The advantages? Better rates and more convenience; with electronic signing, you can do everything from home or even when you are on the road. Apply online in minutes from your digital device and discover the difference a better lending process can make!

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Apply & Contact

Ready to get started?

As the first digital bank, we’re pioneers of easy, online applications for everything we do. But sometimes, you want to talk to somebody first. We get it. That’s why we’re always ready for your email or your call.

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