Trusted for Years, Here for You Today
When you take out a loan with us, you’re choosing a bank that truly understands your needs—offering real, reliable support with a hometown feel.
About Us
When life throws unexpected expenses your way, TBO Bank is here to help. As an FDIC-regulated bank, we’ve been serving our customers for over 120 years, providing reliable financial solutions that put people first. If you have less-than-perfect credit and need an emergency loan to bridge a financial gap, we offer a secure, transparent, and responsible lending option designed with you in mind.
Why Choose TBO Bank?
We believe that everyone deserves access to fair financial solutions, no matter their credit history. Our mission is to provide better lending options, ensuring that you have the support you need—when you need it most.
120+ Years of Trust
A banking legacy built on strong, genuine relationships.
Fast and Simple
Apply in minutes, get instant credit decisions, and same-day funding in some cases. *
No Hidden Fees
No origination fees, no surprises—pay off anytime with no extra costs.
What is a Subprime Loan?
A subprime loan is designed for individuals who may not qualify for traditional prime loans due to credit challenges.
Unlike payday loans, which come with excessive fees and short repayment terms, our personal installment loans provide a structured, affordable repayment plan that helps you regain financial stability without hidden costs or unfair penalties.
A Trusted Bank When You Need It Most
At TBO Bank, we understand that life happens. That’s why we provide personal loan options that help those with less-than-perfect credit access the funds they need—when other banks might turn them away.
Get started today and take control of your financial future.
* Loan applications fully verified and approved before 11am (CT) will be funded as soon as the same day. Loan applications fully verified and approved after 11am (CT) will be funded as soon as the next business day. TBO Bank is not responsible for any additional charges applied by your financial institution.
