Loan Rates
APR (Annual Percentage Rate) accurate as of November 3, 2025 and may change at any time. Other terms and products available. Please call for a personalized quote.
Auto
| APR | Terms (Months) |
|---|---|
| 2025 Model | |
| As low as 5.35% | 1-36 Months |
| As low as 5.95% | 37-48 Months |
| As low as 6.65% | 49-60 Months |
| As low as 7.45% | 61-72 Months |
| 2024 Model | |
| As low as 5.50% | 1-36 Months |
| As low as 6.10% | 37-48 Months |
| As low as 6.80% | 49-60 Months |
| As low as 7.60% | 61-72 Months |
| 2023 Model | |
| As low as 5.65% | 1-36 Months |
| As low as 6.25% | 37-48 Months |
| As low as 6.95% | 49-60 Months |
| As low as 7.75% | 61-72 Months |
| 2022 Model | |
| As low as 5.85% | 1-36 Months |
| As low as 6.90% | 37-48 Months |
| As low as 7.60% | 49-60 Months |
| As low as 8.40% | 61-72 Months |
| 2021 Model | |
| As low as 6.95% | 1-36 Months |
| As low as 7.55% | 37-48 Months |
| As low as 8.25% | 49-60 Months |
| As low as 9.05% | 61-72 Months |
| 2020 or Older Model | |
| As low as 7.60% | 1-36 Months |
| As low as 8.20% | 37-48 Months |
| As low as 8.90% | 49-60 Months |
All rates listed based on 20% equity in vehicle. Contact us for more rate options to fit your needs!
Looking to purchase a 2019 or older model? No problem! Call us for more information on rates today!
Consumer Real Estate
| APR | Terms (Months) |
|---|---|
| As low as 7.55% | Fifteen Year Fixed |
| As low as 7.50% | Ten Year Balloon / 30 Year Amortization |
| As low as 7.45% | Ten Year Fixed |
| As low as 6.60% | Five Year Balloon / 30 Year Amortization (1) |
| As low as 6.70% | Five Year Balloon / 15 Year Amortization |
All rates listed based on 80% loan to value. Contact us for more rate options to fit your needs!
(1) Residential Real Estate Construction Loans: One year interest only, term is five years after first payment due date.
Home Equity
| APR | Terms (Months) |
|---|---|
| 2nd Lien: If SBT holds 1st lien in-house (closed-end with fixed rate) | |
| As low as 7.80% | 62 months or less with max 10 yr amortization |
| 2nd Lien: If SBT does not hold 1st lien in-house (closed-end with fixed rate) | |
| As low as 8.20% | 62 months or less with max 10 yr amortization |
All rates listed based on 80% loan to value. Contact us for more rate options to fit your needs!
Consumer Personal
| Advance Amount | APR | Terms (Months) |
|---|---|---|
| $1,000 - $5,000 | As low as 17.45% | Up to 36 Months |
Agricultural Real Estate
| APR | Terms (Months) |
|---|---|
| As low as 6.40% | Three Year Balloon / 30 Year Amortization |
| As low as 6.60% | Three Year Balloon / 15 Year Amortization |
All rates listed based on 80% loan to value. Contact us for more rate options to fit your needs!
Agricultural/Commercial Operating Note
| Advance Amount | APR | Terms (Months) |
|---|---|---|
| $20,000 or greater | As low as 7.50% | Up to 12 Months |
Agricultural/Commercial Machinery Note
| Advance Amount | APR | Terms (Months) |
|---|---|---|
| $20,000 or greater | As low as 7.50% | Up to 12 Months |
Commercial Real Estate
| APR | Terms (Months) |
|---|---|
| As low as 6.90% | Three Year Balloon / 30 Year Amortization |
| As low as 7.10% | Three Year Balloon / 15 Year Amortization |
All rates listed based on 80% loan to value. Contact us for more rate options to fit your needs!
Annual Percentage Rate (APR) based on product, term and credit. All loans subject to approval. See State Bank of Toledo financial representative for full details.
Are you a non-profit organization looking for lending options? Contact us today to learn about special rates available for you!
