Everyone’s got a dream, goal, or plan of some kind. Fund yours affordably, we can help with friendly, attentive service from start to finish.

Rates

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Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

Unsecured loans do not require collateral backing, but the interest rate may not be as favorable. 

  • No collateral necessary; requires little more than a signature
  • Simple solution when you need cash fast
  • Competitive rates for a wide variety of personal needs:
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And more
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing

Rate Discounts

All personal loans can qualify for two rate discounts:

  1. Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
  2. Borrowers with an automatic loan payment from a deposit account will receive an interest rate discount of 0.25%.

Secured loans let you use your savings as collateral — so you can enjoy lower interest rates.

  • Use your savings as collateral
  • Secured savings continues to earn dividends 
  • Potentially lower interest rates 
  • Safe way to build your credit
  • Finance a wide range of purchases at a competitive rate: 
    • Vehicle repairs or updates
    • Family vacation
    • Education expenses
    • Personal projects or startups
    • And more
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing

Rate Discounts

All personal loans can qualify for two rate discounts:

  1. Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
  2. Borrowers with an automatic loan payment from a deposit account will receive an interest rate discount of 0.25%.

Get the right ride at the right rate.

  • Fixed rates on new or used vehicles 
  • Up to 100% financing available for qualified buyers 
  • A wide range of terms customized to your unique situation 
  • Pre-approval available for extra bargaining power at the dealership 
  • Refinance your current vehicle to potentially lower your rate
  • Quick, local decision-making and processing 

Rate Discounts

All personal loans can qualify for two rate discounts:

  1. Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
  2. Borrowers with an automatic loan payment from a deposit account will receive an interest rate discount of 0.25%.

Bring a recreational vehicle on your next outdoor adventure!

  • Fixed rates for boats, RVs, motorcycles, ATVs, and more
  • Up to 80% financing for boats, motorcycles, jet skis, and ATVs — 70% for RV
  • A wide range of terms customized to your unique situation 
  • Pre-approval available for extra bargaining power at the dealership 
  • Refinance your current vehicle to potentially lower your rate
  • Quick, local decision-making and processing 

Rate Discounts

All personal loans can qualify for two rate discounts:

  1. Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
  2. Borrowers with an automatic loan payment from a deposit account will receive an interest rate discount of 0.25%.