Personal Loans



As a locally owned community bank, all loan decisions are made by a loan officer you know and trust. A wide selection of services is available to meet your personal financial goals.


Consumer Loan Products

    Consumer Loans
    Personal Lines of Credit
    Mortgage Loans
    Construction Loans
    Home Equity Loans


Consumer Loan

Whether you’re borrowing money for a car, boat, RV, or any other personal item it’s important to consider your options. First Southern Bank offers a variety of options for financing at competitive rates.


Personal Line of Credit

Give yourself a loan whenever you need it. A Personal Line of Credit is a convenient way to help cover unexpected expenses. It can also serve as protection to prevent overdrafts from occurring.


Mortgage or Construction Loan

When it comes to mortgage loans, First Southern Bank can make the lending process as comfortable as your new home. Whether you are purchasing your first home, building or refinancing, you need a lender who can offer you the terms and payment options you need and the service you deserve. At The First Southern Bank, our loan officers work one-on-one with you to determine the right solution for you.


Home Equity Loan

Would you like to remodel your kitchen, or maybe put in a new pool? How would you like to consolidate your high interest credit cards into one low monthly payment? The First Southern Bank loan officer can show you how to take advantage of the equity you have in your home.

The First Southern Bank Home Equity Line of Credit may be the smartest way to borrow money using the equity in your home as collateral. You can finance most any expense with anytime access to the funds you need, as well as enjoying the possible tax benefits that come with a Home Equity.
More information on any of these accounts can be obtained through our Lending Officers.  Click on the Lending Officers tab on this page for the loan officer name in your area.

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