Loans & Credit

Whether you're looking to finance a big purchase, consolidate debt or need extra cash to cover unexpected expenses, we have the personal loans, home mortgages, and credit card options to meet your financial goals.

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Personal Loans

At First National 1870, we put the customer first in everything we do, and that includes providing you with financing that moves your forward toward your financial goals.

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Credit Cards

Whether establishing credit with your first card or building on a proven financial track record, First National 1870 will work with you for the best financial solutions.

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Home Loans

House all your banking needs under one roof. First National 1870 is proud to offer home mortgage lending solutions through Guardian Mortgage, a division of Sunflower Bank, N.A. Guardian Mortgage is a national mortgage platform that has helped over a million homebuyers realize their dreams of homeownership.
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How to Use Credit Wisely

For those with no credit history, one way to establish credit is to consider applying for a credit card and using it to pay for purchases instead of paying with cash or checks and then pay the balance off each month. This can help you establish a good credit history.

Avoid actions that may negatively impact your credit history and credit score. Your credit score is the numeric summary of your credit history, and lenders often use it to predict the likelihood that you will repay any loans extended to you. It's important to stay in tune with your credit history.

By law, consumers are entitled to one free credit report once every 12 months from each of the three reporting agencies — Equifax, Experian, and TransUnion. The good news is, requesting one will not impact your credit score or history.

Apply for new credit sparingly. If you apply or open several new accounts in a short period of time, it can hurt your score.   

Improve Your Credit Score with Credit Sense

Your credit score is one of the most important factors lenders use to determine your creditworthiness. A good credit score can open doors to better loans and credit card offers, lower interest rates, and more favorable repayment terms. Building credit and maintaining a good credit history is key to setting the course for financial success.

At Sunflower Bank, we understand the importance of having a healthy credit score. That's why we offer a range of tools and resources to help you improve and maintain your credit score, including Credit Sense. Credit Sense is a free service available to you through our personal online and mobile banking service and can help you better understand your credit score and ways to improve it. Using Credit Sense will not require a hard pull on your credit, so you can check it as often as you like.

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Available 8AM-8PM (CT) Monday-Friday

8AM-4PM (CT) Saturday
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