First South Bank  
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Personal Finance





Education Savings

Consumer Loans


Universal Services

Personal Loans

There may be many reasons why you may need a loan; purchases a new vehicle, make home repairs, or send a child to college. Whatever the reason, we have a qualified representative to help find the right loan for you.

Secured & Unsecured Personal Loan
First South Bank offers quick decisions on loans, with most loan application approvals taking no more than 24 hours.

Home Equity Loan & Equity Line
By using your home’s equity, you can achieve your dreams and goals. Whether it is to consolidate debt, make home improvements, or to pay for college tuition. A First South Bank Home Equity Loan or Equity Line may be the answer.

Overdraft Protection
First South Bank’s Reserve Line of Credit provides a flexible credit reserve to use whenever you need it. You can use again and again as you pay it off.

Mortgage Loans
First South Bank has been making home financing easy for citizens of North Carolina since 1902. We understand the joy that comes with each new home, and the level of commitment you have made in deciding to purchase one.



Use one of our calculators to determine how big of an equity line you can receive.

For more information on Personal Finance Options, click here to send us your questions, or contact us at 1-800-946-4178.

© First South Bancorp, Inc. All Rights Reserved. Member FDIC. Equal Housing Lender.