Loans & Credit

personal loans and credit

Loans and Credit

Creating Possibility For You

Having cash on hand for every purchase isn’t always ideal. So, every day, we’re Creating Possibility in the lives we touch through credit cards and loans.

Low Rates. No Annual Fees.

Sunflower Bank offers three personal Visa® credit cards – Classic, Gold, and Platinum – to cover a variety of credit limits and purchase needs. The freedom of a card helps fund everyday purchases, book vacations, shop online, and buy big ticket items. Plus, you can earn bonus points for retail purchases and redeem them for brand-name merchandise and exciting travel rewards.

Sunflower Bank’s credit cards feature interest rates much lower than you’ll find with department store or other major credit card companies. And, because we’re here to help you achieve your financial ambitions, there are no annual fees and no balance transfer fees.

Expand Your Possibilities

As a partner on your financial journey, Sunflower Bank is also here for the big purchases, like cars, boats, homes, and dream vacations. We offer a variety of loan options to help with planned – or unplanned – expenses. You might need extra funds for debt consolidation, medical expenses, or a major purchase. Whatever financial issue you’re facing, Sunflower Bank wants you to borrow with ease and confidence.
Looking for a home loan? We’ll connect you with our company’s experienced lending professionals at Guardian Mortgage, our leading-edge mortgage division. We offer a variety of loan options to match your needs. Make possibility a reality. Take charge of your future with Sunflower Bank.

Grow & Improve Your Credit

Building credit and maintaining a good credit history are key to setting the course for financial success. If you are unable to obtain credit because you’ve never established credit, it can be frustrating when trying to buy a car, new home, or attain better interest rates. One way to establish credit is to consider applying for a credit card and use it to pay for purchases instead of paying with cash or checks, and then pay the balance off each month. This can help you establish a good credit history.

Be sure to avoid actions that may negatively impact your credit history and credit score. Your credit score is the numeric summary of your credit history and lenders often use it to predict the likelihood that you will repay any loans extended to you. It’s important to stay in tune with your credit history. 

  • By law, consumers are entitled to one free credit report once every 12 months from each of the three reporting agencies — Equifax, Experian, and TransUnion. The good news is, requesting one will not impact your credit score or history.
  • Apply for new credit sparingly. If you apply or open several new accounts in a short period of time it can hurt your score.