After holiday spending and bills coming due, it can help to delay when you pay. That’s why we offer a few ways to borrow the funds you need – and flexibility in how you can make payments.

Skip a payment

Once per year, you can opt to skip a Hills Bank consumer loan payment without a fee. This won’t affect your credit score: it’s just our way of giving you some extra time to pay us back.

Borrow when you need to

Our Personal Line of Credit lets you borrow funds when you need them – such as for emergency car repair or for other unexpected expenses. You can also use it to protect your primary checking account from overdrafts. This line of credit has a fixed term of 24 months and no annual fee. You can chat with us using the button below to learn more, or inquire here. 

Spend with a low interest rate

Interest rates are rising, but our Visa Platinum Credit Card still offers a lower interest rate than many other credit cards. If you’re carrying a balance, a lower interest rate will save you money while you work to pay it off.  

If you’d like to learn more about these options or have other questions about your finances, please give us a call at 1-800-445-5725 (1-800-HILLSBK), chat with us online using the button below, or stop by any of our offices to visit with a banker. We’re here to serve you!