Consumer Loans

Loans for all of your family’s needs

Why Ladysmith Federal?

Although you can expect exciting changes as we grow to meet your needs, one thing will not change: our friendly, professional staff and our shared commitment to our community. Our customers are our owners and the reason for our success! We are mutually owned, locally controlled.

Consumer Loan Learning Center

Consumer Loan Calculators

We have three consumer loan calculators available to help you understand Loan Affordability and Payments so that you can select the loan that is best for your situation.

Top 10 Questions

We want help you make decisions as you apply for a consumer loan. Our Learning Centers provide you with helpful answers to the most common questions.