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Personal Lending

Enjoy all that Montana life has to offer with a personal loan from American Bank.  Whether it is time to finance a vacation, a vehicle, remodeling or whatever your personal need may be, American Bank has a variety lending options available along with the hometown personalized service you deserve.


Auto, RV, Boats and Motorcycles
Call your American Bank personal banker for rates and terms to purchase your new or used auto or recreational vehicle.

Deposit Secured Loans
You can use your American Bank deposit account as collateral for your loan and take advantage of streamlined closing and very competitive interest rates.

Overdraft Protection
Create peace of mind with an overdraft protection line tied to your American Bank checking account.  If your account is overdrawn, overdraft protection will automatically transfer funds to pay your transactions.  Call a personal banker today to set up Overdraft Protection.


Real Estate Loans

Construction Loans
Building your dream home or a second home getaway?  Let American Bank’s experienced lending staff guide you through the financing and construction process.

Home Equity Loan
Leverage the equity in your home to pay for a one-time need such as remodeling, landscaping, weddings or debt consolidation.  Enjoy longer term flexibility and the possibility of saving on your taxes by deducting interest costs (consult a tax professional about the deductibility of your interest costs).

Home Equity Line of Credit (HELOC)
A HELOC is a revolving loan product secured by your home’s equity.  Get pre-approved for a specific loan amount and use the money as you need it.  This loan features interest only payments for a set period and converts to a term loan later. 

Purchase or Refinance
Enjoy personalized local service for a short term real estate purchase or refinance of your existing real estate loan.

Whatever your needs, our lending staff will help to find the right loan for your consumer needs.  Contact a Loan Officer today to discuss your financing options.


If you are interested in applying for a non real estate loan with American Bank, below is a list of required items you will need to gather to start your loan application process.

Feel free to print our Document Request Checklist.

1. Financial Information Needed

A salaried employee:

  • Two years of W2 statements
  • Two months of recent paystub

Self employed:

  • Two years federal tax returns

Copies of Awards letter from Social Security or Veterans Administration for retirement of disabilities earnings (if applicable)

Copies of Current Military Earnings Statement (if applicable)

2. Forms required for all applicants

Please complete the following form to start your application process and return them to any American Bank branch:

3. Additional forms that may be required

Please work with your personal Loan Officer to complete any additional forms.  We are here to assist you through this process.


If you would like to apply for a real estate loan, please contact a Loan Officer and they will walk you through the application process.


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