Horizon Financial Bank
Loan Products
Horizon Financial Bank can help you make the dreams on your horizon a reality, whether it be financing for a new car, recreational vehicle, home, line of credit, livestock, vacation, consolidating debt and other personal or business needs. Our experienced loan officers work with other lending providers to find programs to best fit your borrowing needs.
With Horizon e-Banking and Horizon e-Mobile, you can also monitor all of your loan activity at your convenience, whether you would like to make a payment or set up e-mail reminders of upcoming payments, it’s all available online.
Looking at purchasing a home or refinancing your existing home? Let Horizon Financial Bank help! Horizon Financial Bank now offers a variety of mortgage loan programs including fixed and adjustable rate programs, first time home buyer loans for the state of North Dakota, lot loans, construction loans with long term mortgages (sold on the secondary market) and more.

For more information contact Horizon Financial Bank today! NMLS #409024

For help in determining how much you want to borrow or how much your monthly payments will be click here for our loan planning calculator.
  • Competitive interest rates
  • Local decision making
  • Automatic loan payments available
  • Payments to fit your budget 
  • Work with loan officers who care about you  

    Leasing Program
    Horizon Financial Bank is now offering an alternative to conventional financing by offering leasing products through HFB's leasing department. HFB works with agriculture-related and commercial businesses, equipment dealers and vendors and also city, state and federal governments to find equipment leasing options that make the most sense for your business needs.

    Save time and money. HFB personnel can assist in finding the best quality equipment for your business, saving you valuable time. Whether you are looking to grow your business or upgrade your current equipment, finding cost-effective solutions to fit your needs is on HFB's horizon! There are nominal up-front costs, convenient payment structures and possible tax benefits (talk to your tax advisor).

    HFB's leasing personnel are able to assist with your leasing needs and provide the best possibility for approval. Leases are available for a wide-range of needs, including, but not limited to: agriculture equipment - tractors, combines, swathers, etc.; general office equipment - computers, printers, copiers, monitors; industry specific equipment - medical, financial; construction equipment - backhoes, excavators, heavy-duty trucks; and transportation equipment - buses, vans.

    Leasing Process
    HFB's leasing division personnel strive to make the leasing process as seamless as possible for you and your business by collaborating with you to design a leasing program that is right for you and your business needs.

    Once your application has been submitted, HFB will review your application and help secure the lease term and payment structure that fits your business goals. The finalization of the lease agreement and transaction paperwork is completed by HFB personnel, allowing you to run your business. 

    Horizon Financial Bank does business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

For more information about Horizon Financial Bank loans visit or call the Banking Location nearest you.

Branches: Devils Lake, ND 701-665-2020 - Munich, ND 701-682-5331 - Osnabrock, ND 701-496-3482 - Bismarck, ND 701-751-7274
FDIC Insured The first choice for all your financial needs.

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Equal Housing Lender