When you need to borrow, rely on Philo Exchange Bank. We offer a full line of loans, including personal, vehicle, real estate, agriculture and business. All of our loans feature competitive interest rates, along with a choice of terms and repayment methods, plus the convenience of local approval.

We also offer calculators so you can estimate your monthly payments. And, if you have questions or need guidance you can always talk to one of our loan officers.

To make it as convenient as possible to apply, you can fill out an online loan application for personal loans.

Personal Loan Application

Apply Online



Welcome to Philo Exchange Bank. We're a locally-owned bank dedicated to serving our customers and our communities. Our hometown focus guides the way we do business, ensuring that you always get the best in financial products and services.

Community Hub

Click here to see information about our communities and schools, plus a calendar of local community-wide festivals and events.