SouthFirst Bank Loan Products


Automobile Loans

New and used Automobiles. Rate and term is determined by the age of the automobile.

Motorcycle Loans

New and used Motorcycles. Rate and term is determined by the age of the motorcycle.

Marine Loans

New and used Marine (Boats/Sea-doos, etc.). Rate and term is determined by the age of the vessel.

Recreational Vehicle

New and used RV's (Travel trailers/Campers, etc.) Rate and term is determined by the age of the recreation vehicle.

Share Loans

Loans against Deposit Accounts held with SouthFirst Bank. Rate on loan is 4% above the deposit rate for a term of six months or through the maturity date, the lesser date of the two.

Unsecured Loans

SouthFirst Bank will consider Unsecured Loans, not to exceed 24 months, subject to qualifications.

Second Mortgage Loans

Please call 800-239-1492 or one of our Branch Representatives for loan terms and interest rates.

Home Equity Line of Credit Loans

Line of Credits up to 90% of Appraised Value, minus any existing mortgages. Payments are determined by monthly balance or can be interest only payments. Both are subject to qualifications. Rates are determined by qualifications and credit scores.

1st Mortgages (Purchase or Refinance)

SouthFirst Bank is proud to offer a wide range of loan products on Real Estate Mortgage Loans. We can offer several competitive products varying from 80% to 103% Loan to Values. We offer both Fixed rate and Adjustable rate mortgages. SouthFirst Bank offers in-house loans and mortgage products through several Investors and can offer lower interest rates. Call any SouthFirst Bank Loan Representative for current rates and details.

Construction Loans

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SouthFirst Bank is able to offer Construction loans on property in our surrounding areas.
**Some restrictions may apply