First Southern National Bank
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Personal Loans

When it's time to pay school tuition, take care of overdue home improvements, pay down high interest credit card bills or take a vacation, First Southern offers great options in personal loans. Whatever the need, think First Southern first. We'd love to help.

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

  • Terms vary based on 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

Houseboat, fishing boat or otherwise, we can help make your dream a reality by providing funds for you to purchase your watercraft or other recreational equipment.

  • Terms vary based on age of watercraft / equipment
  • 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

Our Second Mortgage Loan allows you to use the equity in your home to help fund other purchases or expenses: tuition, vacation, vehicles or other personal and household needs. A Second Mortgage Loan may also be used to pay off credit card debt or 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

If you're ready to pay off your credit card or 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

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

The equity in your home may be able to serve as a source of immediate funds for the purchase of vehicles, education or other short-term personal and household 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 can work with you to set up a secured personal loan based on whatever collateral you have available, including:

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

Short-term loan needs may be able to be met with a Visa Credit Card from First Southern. 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

Your First Southern loan expert will help analyze your needs, explain your options and answer your questions.