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.
Key Features
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Competitive Rates
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Local Processing
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Quick Decisions
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:
- Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
- 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:
- Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
- 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:
- Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
- 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:
- Borrowers with a First Southern Bank deposit account will receive an interest rate discount of 0.25%.
- Borrowers with an automatic loan payment from a deposit account will receive an interest rate discount of 0.25%.