Auto Loans

Are you in the market for a new or pre-owned vehicle?  Do you need to save money by refinancing your existing auto loan for a potentially better rate or lower payment?  Our First Southern loan professionals are experts at helping you to choose an auto financing option that will fit your budget.  We're "driven" to make it quick and easy for you! 

Construction Loans

Ready to build your dream home? Our First Southern lenders can offer interest only financing with incremental draws to meet your needs for cash during the construction process. Save money by paying monthly interest only on the amount you’ve borrowed from your construction account. When your project is complete, we can also save you time and money by converting your construction loan into one of our long term mortgage products.

Debt Consolidation Loans

Ready to tackle your debt?  If you are thinking of paying off your credit cards or streamlining your bills to pay them off quicker, a First Southern Debt Consolidation loan may be a good fit for you.  Refinance multiple bills with different interest rates, payments, and due dates into a single loan with a lower monthly payment.  Our team of Loan Officers are ready to help you to choose the right loan for your needs. Save time and money and make one payment to First Southern, once a month!

Deposit Secured Loans

Put your money to work!  Secure your loan with your First Southern Savings account or Certificate of Deposit.  Save money by enjoying a lower interest rate, and borrow wisely without depleting your funds.  You can borrow up to 100% of the balance of your Savings or CD and continue to earn interest on your deposits.  First Southern will report your payment history to the credit bureau and a history of on-time payments may boost your credit score.  We make Deposit Secured Loans quick and easy!     

Mortgages

Buying a new house? Remodeling your current home? Converting your construction loan to a long term product? Our experienced financial professionals are ready to help! Let our experienced mortgage lenders tailor a loan to fit your needs and your budget! We offer multiple loan options including fixed and adjustable rate mortgages. Our seasoned, in-house Loan Processors are dedicated to making your loan process quick and easy!

Looking for a long term, fixed rate home loan? We offer great fixed rates for 15 to 30 years to turn your dream of home ownership into reality. Ask us about the long term fixed rate financing options.

Personal Loans

Need to consolidate high-interest debt or pay for unplanned expenses?  First Southern's Personal Loans may be the right fit for you.  Often referred to as 'Unsecured" or "Signature" loans, Personal Loans offer quick access to funds with low, fixed monthly payments.  Set your mind at ease and get fast access to cash with no collateral required.  

Recreational Vehicle & Boat Loans

Ready to make a splash in a new boat or personal watercraft?  Is the family ready to hit the road in a new camper?  Do the local trails call for a new ATV or side-by-side?  Our First Southern bankers enjoy the outdoors and know how to finance FUN!  Let us help to make your new or new-to-you recreational vehicle loan process quick and easy!