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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

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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

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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

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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

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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

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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 First Reliance Bank prime lending rate
  • 60-month terms
  • Interest-only options are available depending on lending criteria
  • Easy access through:
    • Online Banking Transfer to your deposit account
    • Mobile Banking Transfer
    • Home Equity Line of Credit
    • Customer Care Call Center assisted Transfer

Apply Now