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trade in your loan:
Conditions
The decision to proceed with the loan request under this program will be based on the following considerations:

  • The applicant receives a beacon score of 620 or higher
  • They reside in one of our markets
  • He/She is willing to switch their primary checking account to FRB within 30 days
  • They are willing to allow FRB to automatically draft the loan payments from their FRB checking account
  • He/She is willing to provide approved documentation to support declarations
Other Conditions That Apply
First Reliance Bank will reduce the competitor's loan rate by 2%, not to exceed 6% floor with the following conditions:

  • Maturity date will not extend beyond the existing maturity date of the loan being repaid, nor exceed 60 months
  • All required loan documentation including Preferred Rate Addendum is properly executed
  • Normal underwriting and pricing guidelines will be adhered to
  • Failure to open checking account within 30 days as stipulated in the Preferred Rate Addendum or closing of the checking account prior to loan repayment will result in a rate adjustment of 4% above the original loan rate


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