Consumer Loans

Vehicle Loans

Thinking about a new or different vehicle?  Maybe a camper, ATV, boat or snowmobile?  Ladysmith Federal is here to help you with some great rates and terms that work within your budget.

Home Equity

Did you know you can use the equity in your home for many of the things you want or need? With a Home Equity Line of Credit (HELOC), interest is generally tax deductible (check with your tax preparer).
HELOC has a great rate and has low closing fees. It can be used for many things when you most need it … home remodeling, to take a vacation, pay tuition or even to purchase a new vehicle.

Personal Loans

These are usually given on a short-term basis and can be unsecured (certain conditions apply) or secured by a deposit account allowing you to still earn interest. Our rates are some of the lowest around. If you need funds on a short-term basis in an emergency or maybe need a few extra bucks for unexpected expenses, a personal loan with Ladysmith Federal might be just perfect for you.

Credit Cards

Ladysmith Federal now offers a Visa Platinum Credit Card for our customers.  If you qualify, our low rate on your card may be a way for you to obtain a small cash advance for personal needs.  Stop by our office today to pick up your application.

Student Loans

For college expenses not covered by scholarships and federal loans, Ladysmith Federal has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Click here to apply and learn more details.

LFSL Online Banking


Modern browser required:
  • Microsoft Edge or Internet Explorer 11+
  • Chrome 30+
  • Firefox 27+
  • Android 5.0+
If you experience a connection error, try upgrading your browser.

Loan Pre-Qualification

Click here to process a loan pre-qualification submission.
How to sign up for online banking:

Call Ladysmith Federal at 1-888-532-5375
Member FDIC, Equal Housing Lender