For some folks, October is the spookiest month of the year. It's a time for good-natured fright-fests and ghost stories. There are even scary thrills and chills to be found at familiar store fronts temporarily transformed into haunted mansions.

It's also harvest time. And there's no better way to reap savings than by refinancing your vehicle and scoring a better interest rate. With our competitive vehicle loan rates, we may be able to help you lower your car or truck payment dramatically.

Car dealerships were offering 1.99% or even 0% for up to 72 months, only for select customers on select cars, proclaiming it as extraordinarily low. Very few customers can meet the credit criteria or afford the payment on the high end cars this is normally offered on.

Refinancing a vehicle loan with First Reliance Bank is fast and simple. So don't be frightened by thoughts of what you may have to go through to get a low rate. There's no reason to be spooked by images of a long loan process eating up your spare time and making you feel like a zombie.

You don't even need to go back to your current lender. We'll take care of everything you need to do to transfer your loan to First Reliance Bank. We'll assemble all the information needed for the application process. If you like, you can come by and apply with a Personal Banker assigned just to you. Or you can call your Personal Banker and simply provide the information needed to set the application in motion.

We can usually close your loan on the same day you apply. Signing the documents will take about 10 minutes. You can come by a branch or ask to have the loan documents mailed to you for signature.

Your new loan payment could be a shadow of the one you're making now. And that would make your October thrilling in a whole new way.