PERSONAL LOANS

empower your dreams.

When you need to borrow money, whether for a new-to-you vehicle, home renovations, an unexpected expense, or any other reason, we are here to help. With flexible borrowing limits and terms, we’ll find a secured or unsecured loan program^* that fits your specific needs. The process is simple and convenient, with set payments that work within your budget.

Personal Loan

Helps with the purchase of a car, boat, RV, and more
Flexible terms and borrowing limits
Secured or unsecured loans
Monthly payments and fixed interest rates for affordable options

*All loans are subject to credit approval. Learn more about your loan options.

Grow your knowledge – and your confidence

We’re here to help guide you on the path to financial wellness. No matter your current financial situation, we have the tools and information to help you conquer the mountain and reach financial success. Select and learn more about the types of loans you are interested in.

Car Loans

Explore different ways to buy a car and the steps you can take to apply for a car loan.

Buying a Home

Learn the process, resources, and strategies to help you buy a home while sticking to a budget.

Paying for College

Discover different ways to save and pay for college.

Explore Financial Wellness

Home Loan

If you’re planning on buying a new home, building, or refinancing, our mortgage professionals will find the perfect mortgage for you — and take the stress out of the process.

First-time homebuyer programs
Conventional loans
USDA government-backed mortgages
Affordable housing loans
Veterans Administration (VA) loans
Construction loans

Cash Reserve

In case of an emergency or accidental overdraft, use your Cash Reserve Line of Credit* to write yourself a loan anytime, anywhere.

Automatic line of credit built right into your checking account.
Write a check or use a special Cash Reserve check in the amount needed to get the funds advanced to your checking account.
No setup fee. Finance charges only accrue when you use the reserve.
Reserve Plus Line of Credit* allows for larger lines of credit at lower, variable interest rates.

^{*Normal credit approval applies on all checking accounts, loans, lines of credit, and credit cards. The prime rate used to determine your APR is the Southern Bank prime rate on the last business day of the previous calendar month.}

Home Equity Line of Credit (HELOC)

Our Equity Line allows you to borrow for your needs using the equity you’ve built in your home. These low-rate loans are a great option to fund education, buy a vehicle, or take that second honeymoon you’ve been dreaming about.

Extra cash when you need it
Fast, affordable, and convenient
Low monthly payments and flexible terms

Let's talk.

Please give us a call at 1.855.275.7226 or fill out the form below, and we’ll be in touch soon to answer your questions and determine the right solutions for you.