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Personal Loans

Need to Make a Loan Payment?
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Navigate the Borrowing Process with Confidence

Whether you’re looking to consolidate debt, fund a major purchase, or cover unexpected expenses, personal loans offer flexibility and convenience.

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Need a Personal Loan or Line of Credit?

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Happy State Bank, a division of Centennial Bank offers personal term loans and lines of credit. Whether consolidating debt, paying for home improvements or making a major purchase. We have options that fit your lifestyle.

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Student Loans by
Sallie Mae®

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For college expenses not covered by scholarships and federal loans, Happy State Bank, a division of Centennial Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

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Home Loans

Mortgage Loans

Looking for a new home? Want to refinance?

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Navigate your financial journey with ease using loan calculators. Whether you're planning to buy a new home, invest in a car, or consolidate debt, these handy tools provide instant insights into your borrowing options. Need to Calculate a Payment?

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Applicants

Home BancShares, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, veteran status, family or marital status, gender identity or expression, or any other characteristic protected by law.

Employment at Home BancShares, Inc. is "at-will." "At-will" means employees are free to resign at any time, with or without cause. Likewise, "at-will" means Home BancShares, Inc. may terminate employment at any time, with or without cause or advance notice. No supervisor or representative of HBI has any authority to enter into any agreement for employment for any specified period of time, or to make any agreement contrary to HBI's employment-at-will policy. This policy may not be changed without the express written approval of the Board of Directors or its designated representatives.

Click here to view Know Your Rights: Workplace Discrimination is Illegal provided by the EEOC.

Pay Transparency Nondiscrimination Poster provided by the OFCCP. Note: as of 3/6/2025, the OFCCP is reconfiguring their website.

Click here to view Workplace Posters provided by the US Department of Labor.

If you are an individual with disabilities who needs accommodation or you are having difficulty using our website to apply for employment, please contact Centennial Bank by phone at (501) 328-4732 or by email at hr@my100bank.com.

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Our goal at Happy State Bank, a division of Centennial Bank, is to permit customers to successfully gather information and conduct business through our website. We have taken steps and are committed to devoting resources to promote accessibility, including accessibility for the visually impaired. Happy State Bank has been working with a third party accessibility specialist and has had its website live user tested by a visually impaired individual to make sure the website is accessible. Accessibility is an ongoing goal of Happy State Bank.

If you have difficulty accessing features or functions on this website, please email us at info@happybank.com during regular business hours and we will work with you to provide the information you seek.

By clicking the “I Understand – Continue” button, you will be re-directed to a new website. The site to which you will be connected has its own accessibility, security and privacy policies and may provide less accessibility and/or security than the current site. Happy State Bank has no control over, and takes no responsibility for the content or performance of any linked website.