Personal Loans

Local Decisions + Competitive Rates = Satisfied Customer

If your bank has been giving you the runaround on a new loan, give BlackRidgeBANK a call. Our professional staff can make decisions on the spot. No more waiting for the underwriting department to approve your loan. Our underwriting department will be sitting across the desk from you!

Personal Loans

Our competitive rates, quick response time, and convenient payment terms provide the personal touch to your loan request. For additional security and convenience you may elect to have your loan payment automatically deducted from your BlackRidgeBANK checking account or savings account.


Click here for a downloadable copy of our consumer loan application!


Once you have printed and completed an application, we require that you deliver it to us in person, by U.S. mail, or by fax (701) 364-9066. Please do not send the information via email.

To open an account, you will need to come into the bank and sign the necessary documents and receive the appropriate disclosures. You may be required to supply us with additional information. Please see our Customer Identification Policy for more information



Overdraft Protection

We offer a line of credit attached to your checking account with automatic advances in increments of $300. Ask one of our professional staff to establish your line of credit.

Home Equity Loans

Your investment in your home is worth money in your pocket. Our home equity loans allow you to access the equity in your home for virtually any type of major or minor purchase. Contact one of our professional staff for further information.

Home Equity Line of Credit

With a BlackRidgeBANK home equity line of credit you need only apply for a loan one time. Once you are approved, you can borrow from this line of credit time and time again. You borrow the amount you want when you need it. Accessing your line of credit is easy. You can transfer funds by phone, write a home equity check, or make an advance online into your BlackRidgeBANK checking account. It’s that convenient.

Home Mortgage and Construction Loans

Buying or building a new home is always an exciting process, but can be overwhelming. The challenge of buying, building and financing your home can create stress while you try and maintain your daily routine. At BlackRidgeBANK, we understand this, and we will make certain that home financing is a positive experience. Whether you are buying a home, building a home or simply refinancing, we have a solution for you. Contact us to learn more.