Consumer Loans
There may be many reasons why you may need a loan — new vehicle purchases, 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.
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.
Secured & Unsecured Personal Loan
First South Bank offers quick decisions on loans, with most loan application approvals taking no more than 24 hours.
First South Bank personal installment loans help pay for a wedding, take control of credit card debit, or pay for an unexpected expense. Personal loans offer competitive rates and flexible down payment options.
We offer both secured and unsecured loans:
- term loans
- single pay loans
- coupon book to provide with easy method of payment and record keeping
- you choose your monthly payment date
- outstanding balance can be paid at anytime without penalty
Use one of our calculators to determine how big a line of credit 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.
All loans are subject to credit approval and acceptable collateral.
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.
Home Equity Line…Special Offer
Put the value of your home to work for you with a Home Equity Loan or an Equity Line.
Use the Equity in your home for:
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Debt Consolidation
Debt consolidation is one of the number one reasons people borrow against their home equity. This can be a wise money management decision if you have credit card and other high interest-rate debt.
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Potentially reduce your monthly payments1
Simplify finances, one payment instead of many smaller ones1
Possibly deduct interest on your taxes2
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Home Improvement
- The equity you have built into your home can be used to make a wide range of home improvements.
- Build a new addition
- Upgrade the fixtures and appliances
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Increase the resale value of your property
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College Tuition and Expenses
Your home's equity can be a helpful resource for financing your child's education, especially when college grants and loans are not an option or you have more than one child to put through school.
Use one of our calculators to determine how big a line of credit 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.
All loans subject to approval and acceptable property valuations, if applicable.
1 Refinancing pre-existing debt with a home equity loan or line may increase the total number of monthly debt payments, as well as the aggregate amount paid by a borrower over the term of the mortgage loan.
2 Consult your tax advisor regarding deductibility of interest.
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.
We make it easy for you to access your Reserve Line. Simply write a check from your personal checking account and available funds will be transferred to your account in increments of $100.
- Protect against checking account overdrafts
- Pay interest only when you have an outstanding balance against your line.
For more information on Personal Finance Options, click here to send us your questions, or contact us at 1-800-946-4178.
All credit services are subject to approval.
