Consumer Loans

We offer a wide variety of consumer loans to meet the ever-growing credit needs of all present and potential customers in our market area.

Karnes County National Bank is committed to excellence in lending.  Our experienced loan officers and support staff are easily accessible and are committed to fulfilling your loan request in a friendly and timely manner. 

Subject to credit approval.

*Must be filled, printed, and returned to a KCNB location.​

  • Personal Loans

    Maybe you could use an early vacation, or maybe you have unexpected last-minute expenses. For situations like these and more, a quick personal loan can help make life less stressful.

  • Debt Consolidation

    We can help you consolidate a set amount of debt to help you pay it down over time.

  • Auto Loans

    We can help finance New and Used vehicles, and even refinances too! We'll use our experience working with dealerships to make the process as quick and painless as possible.

  • Boat, RV, and Motorcycle Loans

    Yep, we help finance those too!

Timely Approvals

On average, many of our personal loans can typically receive a credit decision same-day.  And with an eligible KCNB account, you may also have loan proceeds disbursed to your account within minutes of your paperwork being signed.


Sign up to automatically draft payments from your eligible KCNB account so you won't have to worry about bringing us a check or cash for every payment!  Ask a representative for details.
*Autopay cannot currently be used to pay from an account at another financial institution.


We currently utilize this convenient and secure service for loan processing only.  Once you've been approved and you've provided a valid email, you'll be able to review and sign your loan paperwork electronically.1

Personal Loans FAQs

Bring a valid government-issued photo ID and your Social Security Card.  If you haven’t filled out our Consumer Credit Application, you may have that filled out and signed before you stop by a location.  If you’re unable to print the application, we have those available at any KCNB location.  Current payroll information (check stubs, etc.) may also be considered.

Depending on the type of loan, additional/other documentation may be required.  Call 830-780-3317 for more information.

We do not schedule appointments to meet with our representatives.  However, we do encourage you to call your preferred location ahead of time to check on availability. 

Our business hours are from 8am-5pm, with the lobby open from 9am-3pm, Monday through Friday.

We currently do not provide the means for you to apply online or submit your application electronically.

Our applications are available at any KCNB location, and can also be found on our website in a fillable and downloadable PDF format.

Need help deciding?

Give us a call at 830-780-3317 or visit any KCNB location.

  1. DocuSign requires an internet connection and valid email to use.  Standard data rates may apply, refer to your service provider’s plan for information regarding data usage rates.
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  2. All loans at KCNB are subject to credit approval.