Locally Owned and Operated Since 1902

Privacy Statement


Consumer Loans

Peoples Bank and Trust Company offers monthly installment loans for your every need.

Auto Loans

Fast, easy, convenient way to finance the car or pickup of your choice.

Personal Loans

To purchase appliances, boats, recreational vehicles, money to pay taxes or for any other purpose.

Agricultural Loans

For long-term or short-term needs: a line of credit for operating expenses, equipment loans, or money to finance land purchases.

Real Estate Loans

Build or purchase the home of your dreams. We provide construction and permanent financing for residential properties.

Business Loans

We have loans available for all your commercial needs. Whether it is starting a new business or growing an existing business, we have a loan for you.

Stop by and apply today.

Conforming Loan Payment Notice

All loan payments must be accompanied by the account number or payment coupon provided. Loan payments must be sent to Peoples Bank & Trust Company, PO Box 8, Owenton, KY 40359. Loan payments may also be made in person to personnel in our lobby lcoation. Our hours of operation for receiving loan payments are 9:00 am - 4 pm, Monday - Friday, and 9:00 am - 12:00 pm, Saturday (except for bank holidays). All other payments received will be credited as of the next loan operations business day or as permitted by law.