Personal Loans

We offer a variety of loans solutions to meet your specific needs. The best part? A local First Southern expert will be there every step of the way to help you navigate the process.

Need funds to purchase a car, truck, SUV or another personal vehicle? We can help.

• Terms vary based on the age of vehicle
• Competitive fixed or variable rates
• Flexible repayment terms
• Competitive interest rates
• Prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account

Ready to purchase your dream boat? Let us guide you through your options.

• Terms vary based on age of watercraft/equipment
• Competitive fixed or variable rates and flexible repayment terms
• Competitive interest rates with prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account

Our Second Mortgage Loans allow you to use the equity in your home to fund other purchases or expenses, like vacation, vehicles or other personal and household needs. A Second Mortgage Loan may also be used to pay off credit card debt or to restructure other debt in an effort to pay it off quicker.

• Competitive fixed or variable rates
• Flexible repayment terms
• Competitive interest rates
• Prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account

It’s amazing what a better rate can do. If you’re ready to pay off your credit cards or to restructure and pay your debt off quicker, debt consolidation may help improve your financial position.

• Competitive fixed or variable rates
• Flexible repayment terms
• Competitive interest rates
• Prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account

The equity in your home can be a great asset to use when securing a loan for other financial needs.

• Competitive fixed or variable rates
• Flexible repayment terms
• Competitive interest rates
• Prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account
• Interest may be tax deductible (Consult your tax advisor)

We’re able to extend our best available rates to borrowers who are able to secure a loan with cash.

• Flexible repayment terms
• Competitive interest rates
• Prompt, local approval and local processing
• Your loan is retained and serviced by First Southern
• Payments may be made by check or automatic transfer from your First Southern deposit account

We can work with you to set up a secured personal loan based on a variety of available collateral, including:

• Cash value of a life insurance policy
• U.S. Government Bonds
• Municipal Bonds
• Stock listed on major exchange
• Other marketable securities

Have short-term loan needs? A Visa Credit Card from First Southern may be the answer. This revolving line of credit may be used to obtain cash or pay for goods and services.

• Itemized monthly statement
• Safer and more convenient than carrying cash
• Widely accepted for purchases made online, via phone or in person
• Quickly and easily replaced if lost or stolen