PERSONAL LOANS
Loans as individual as you are.
Car. Motorcycle. RV. Boat. Home repair. Whatever you need a loan for, we’ve got a range of loans for you. Your First Reliance banker can help you consider your options and arrive at a smart decision.
Unsecured Loan
- Flexible terms
- Competitive rates
- You can make payments with auto draft
- You can purchase credit life insurance for additional financial security
Auto Loans
Purchase a new car, refinance your current car, or use your car as collateral for another loan.
- Flexible terms
- Competitive rates
- Finance new or used cars up to 7 years old
- You can make payments with auto draft
- You can purchase credit life insurance for additional financial security
Real Estate Loans
First and second mortgages on primary and secondary residences, rental properties, condos, lots, and other real estate.
- 1-4 Family residential property
- Residential investment (rental) property
- Residential lots (less than 5 acres)
- Land loans (more than 5 acres)
- Debt consolidation
Other Loans
- RV Loans. Buy, refinance, or use your RV as collateral
- Boat Loans. Competitive pricing and repayment terms for new or used boats, marine boats up to 10-years-old, recreational aluminum Jon boats, jet skis, and personal watercraft
- CD, Savings, or Stock loans
Overdraft Protection
An unsecured line of credit that automatically advances to your checking account if your balance falls below zero.
- $100 minimum advance amount
- $5,000 maximum credit
- A payment of 3% of current balance will automatically be deducted from your checking account
- Annual fee—$7
- Advances are made in $100 increments through Online Banking or Mobile Banking to your First Reliance checking account or you can make assisted transfers through the Customer Care Call Center—888.543.5510
- Overdrafts automatically advance from your Overdraft line
Home Equity Line of Credit
Pay for college expenses, home improvements, or unexpected expenses. First Reliance offers first and second mortgages on primary and secondary residences for revolving credit lines.
- Variable interest rate loans are based on the WSJ Prime Rate
- 120-month term
- Interest-only options are available depending on lending criteria
- Easy access through:
- Online Banking Transfer to your First Reliance deposit account
- Mobile Banking Transfer to your First Reliance deposit account
- In-person transfer at a First Reliance branch
- Customer Care Call Center assisted Transfer
