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Automobile Loan

No time like now to get the vehicle you have wanted and needed for a long time. Legacy Bank can finance up to 90% of Manufacturers Suggested Retail Price (MSRP) for new vehicles and 100% of the NADA loan value for used vehicles, subject to credit qualification.

Maximum term* based on age of vehicle

Age of Vehicle Maximum Term
> 7 years old 36 months
4 – 7 years old 48 months
1 – 3 years old 60 months
New** 60 months

*Motorcycle loans are limited to maximum 48 month term

**Autos with less than 10,000 miles classify as new


Installment Loan

Legacy Bank can finance purchase money on household goods, unexpected tax bills, and many other personal loan needs. Your Universal Associate can assist in tailoring a loan for your specific need. Terms and rates vary according to your credit qualifications and amount financed.

Boat/RV/ATV Loan

Time to have fun, but don’t have enough money? Let Legacy Bank finance the purchase of your boat, RV or ATV with terms up to 72 month on RV loans, 60 months on Boat loans and 48 months on ATV’s. You will find our rates and terms competitive and our loan processes simple. As always credit qualification does apply.

Unsecured Debt Consolidation Loan

We offer fixed-rate, closed-end personal and debt consolidation loans unsecured for our best customers. Those with excellent credit history and excellent credit qualifications will benefit from these short term loans.

Maximum term: 24 months
Maximum loan amount: Between 50-75% of your monthly income, depending on your credit qualifications.

Cash Secured Loan

Need money fast and your cash is tied up in a deposit account? No problem. With our centralized processing, we can have your loan ready in minutes; and it will be structured to meet your personal needs and repayment plan.

Commercial Loans

Commercial lending is another area where Legacy Bank excels. Our experienced Loan Officers can assist you in tailoring a myriad of lending products designed to meet your unique needs. Our experience ranges from working capital loans, short term liquidity loans, loans to the medical communities, commercial real estate loans, oil and gas lending, to lending in construction and development. We have developed expertise in loan structures to accommodate your situation.

Agriculture Loans

Legacy Bank roots go back to 1902 in rural Oklahoma. Ag lending has always been one of our strengths. Our specialized Ag Loan Officers understand the unique lending required for today’s challenging environment with our farm and ranch customers. We incorporate Ag specific software to assist in the analysis of even the most complex and diverse Ag operations. You can find Ag lending in many banks, but few, if any, have the history and knowledge we have developed over the last century.