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Retail Personal Loans

First National Bank Bemidji is focused on serving Bemidji. This is our hometown and Bemidji residents are our Partners for Generations. We have been building relationships in our hometown for over 115 years and our experienced lenders will work for a personal loan to meet your needs.   

Contact one of our Loan Specialists:

Tracy Appel

Retail Loan Officer 



Joanne Daniels

Retail Loan Officer 



Leisha Gregg

Retail Loan Officer


Christian Welle

Sandy White

Retail Loan Officer 


Christian Welle

Retail Loan Officer

NMLS # 1479286


Roxann Aabert Jan Loisel


RoxAnn Aaberg

FNBB Downtown Express Manager and Retail Loan Officer


Jan Loisel

FNBB South Manager

and Retail Loan Officer


Click here for NMLS License Numbers for FNB Bemidji Lenders

Let us help you meet your needs with any of the following loans:

  • Cars and/or Trucks 

  • ATV's Snowmobiles

  • RV's, Motorcycles or Boats

  • Checking Reserve is a line of credit approved for qualified checking account customers to automatically cover overdrafts up to the approved credit limit and a line of credit to meet any of your money management needs as they arise. Funds are deposited into the customer's account in increments of $100 (as needed), up to the credit limit.

  • Mortgages

  • A home equity loan may be the plan that will work for your borrowing needs. First National Bank Bemidji retail lenders can help you use the equity built up in your home to help finance a new car, college tuition, remodeling or other project or need you have.

  • Other Home Improvement loans

Our retail lenders will work with you to find the best plan for you; whether it is to build a new home, purchase a different or vacation home, invest in land, or simply refinance your current mortgage. You can fill out our online loan application.  Use one of our calculators  to consider your loan needs and possible payments with your budget. After you complete our online loan application, you may call for an appointment at 218-333-4330 to discuss your options.

Loan payments may be made through 1st TeleBanc, FirstNet Connection Internet Banking or with preauthorized automatic withdrawals from your checking or savings account.  The automatic withdrawal option qualifies you for a discount on your interest rate.  Advances from approved credit lines may be accessed through 1st TeleBanc as well. Call 218-333-4320 for details.  Apply today.

First National Bank Bemidji offers below market rate home improvement loans for qualifying Minnesota homeowners!  The MHFA (Minnesota Housing Finance Agency) offers The Great Minnesota Fix-up Fund:  Repair, remodel, expand- with a rate of 5.99% APR - Annual Percentage Rate - for the life of the loan.

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