Best Personal Loans in Albemarle, NC

Are you in the market for an engagement ring and looking for a place to get the best personal loan? If so, you may need to take out a personal loan to finance it. While most major jewelry stores have financing programs, personal loans can typically offer a better option.

Personal Loan Options with First Bank

Albemarle, NC, has two First Bank locations with a variety of personal loan options. Here are some of the flexible options that First Bank offers:

Our lump sum personal loans provide instant borrowing power simply by writing a check to yourself and then repaying the money under our competitive rates.
A First Bank Platinum credit card is the perfect way to pay for an engagement ring today while taking advantage of no annual fees, a rewards program for eligible cards, and zero liability on unauthorized purchases.*
Own equity in a home? Use a First Bank home equity line of credit to secure a loan using the equity in your home.

Albemarle, NC, has First Bank locations on Highway 52 North and East Main Street to provide our customers with the best personal loan options. Visit your nearest First Bank to speak to a loan specialist today.

*Loans subject to credit approval. See our Terms and Conditions for complete details on our One Rewards Program. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.

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First Bank Loans Between banks and online lenders, you have a lot of options to choose from when you need a loan. But not all loans are created equal, and First Bank loans are a step above the rest. If you are in need of a loan, visit your local First Bank. We offer a variety of loan options, from personal loans to mortgage loans, with highly competitive rates. Loans Available at First Bank First Bank loans come in a variety of forms, each with competitive rates and flexible terms: Personal loans. Gain instant borrowing power with a personal credit line or use the equity in your home to secure a home equity loan. Business loans. Use a credit line, lump-sum business loan, or construction loan to finance your business. Credit cards. Take advantage of no annual fees and competitive interest rates to complete personal or business transactions today and pay for them tomorrow. Mortgages. Conventional, government, jumbo, commercial, and professional loans are all possible with a First Bank loan. Applying for a First Bank Loan Applying for a loan is simple with First Bank. For a business loan, talk to one our experts during a small business financial consultation. An application for a mortgage loan can be filled out online. For personal loans or credit cards, just contact your nearest First Bank and speak to one of our associates. Whether it’s building a business or moving into your dream home, a First Bank loan can help you with some of life’s biggest purchases. Loans subject to credit approval. ——— Sources: Investopedia: http://www.investopedia.com/terms/o/overdraft-protection.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 Investopedia: http://www.investopedia.com/terms/i/interest.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 2 min read

Compare First Bank Checking Accounts If you’ve begun the process to compare bank accounts, it’s important that you review the options that differentiate them. Fortunately, you have a local partner in First Bank — a bank that offers a variety of checking accounts, each with unique features. Compare Our Checking Accounts You can visit our website and use our checking account comparison chart** for additional information to supplement the summaries below. Everywhere Checking, our most basic checking account, comes with features such as free online and mobile banking*** and free online bill pay. It also offers the following: MyMoney: a free online budgeting and savings tool Free eStatements or paper statements Everywhere Plus includes all the great benefits of our Everywhere Checking account, plus: Earn interest on your balance Everywhere Premium includes all of the benefits of Everywhere Plus but with added features, such as: No First Bank transaction fees on out-of-network ATM withdrawals Free member checks or 50% discount on alternate check designs 4 free official checks per statement cycle First Bank also offers accounts for students and seniors. Our Campus Checking account is designed for high school and college students under the age of 25, and includes benefits such as: No monthly maintenance fees Mobile check deposit Easy money transfers between First Bank accounts Free online and mobile banking No First Bank transaction fees on 8 out-of-network ATM withdrawals per month Our Senior Checking account is for customers 55 and older and can be kept fee-free by meeting a minimum monthly direct deposit of $250.* Senior checking also includes: Free online and mobile banking Free basic checks or 50% off other designs Open an Account Today at First Bank Now that you’ve compared our bank account options, visit your local First Bank branch to open an account today. * Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply.While First Bank does not charge for mobile banking, your mobile carrier’s message and data rates may apply. **Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees 3 min read

Banks With Hassle-Free Checking Accounts If you’re like most people, you probably want a checking account with all the perks but none of the stress. First Bank has more than 100 locations throughout North Carolina and South Carolina that offer banks with hassle-free checking accounts. Checking Accounts at First Bank Here’s a breakdown of First Bank’s five personal checking accounts and what makes them hassle-free: Everywhere Checking What it is: A no-frills account to give you exactly what you need and nothing you don’t. How it’s hassle-free: Maintain either a $600 minimum balance, a $1,200 average monthly balance or make a monthly direct deposit of any amount.* Everywhere Plus What it is: A simple checking account that accumulates interest. How it’s hassle-free: Keep a $1,200 balance or an average monthly balance of $2,400.* Everywhere Premium What it is: An upper-tier account that earns interest and features additional perks. How it’s hassle-free: Maintain either a $5,000 minimum balance, an average monthly balance of $10,000 or maintain $20,000 in personal deposits or outstanding personal loans or HELOC balances.* Campus Checking What it is: A checking account for college students or those about to go to college. How it’s hassle-free: No monthly maintenance fees or minimum balance requirement as long as the customer is under the age of 25. Senior Checking What it is: Checking account for individuals over the age of 55. How it’s hassle-free: Keep a $600 minimum or $1,200 average balance or make a direct deposit of $250 or more.* With our hassle-free checking accounts, you get online and mobile banking, paper or eStatements, online bill pay, and debit cards. You also gain access to account alerts so you can stay on top of your activity. Visit a First Bank Today Find a First Bank with hassle-free checking accounts nearest you and lose the stress today. Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep if Fee Free™ section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule, also available at your local branch. Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a 3 min read

FHA Loans vs. Conventional Loans: How to Tell the Difference Overwhelmed with the prospect of buying a home? FHA loans and conventional loans are likely two sources of financing that you’ve considered. Let First Bank help you understand these options and come to a conclusion about which best suits your needs and budget. After all, choosing the right loan is key for timely, affordable payments. Choose the Right Loan with First Bank If you’re a first-time homebuyer or interested in purchasing your second home, there are different qualifications for each loan you should consider: FHA loans—The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by approved lenders. Single and multi-family homes in the United States (and U.S. territories) can qualify. First Bank can help put you on the right track to securing one of these loans. The advantages of an FHA loan can be: Owing a lesser down payment, as low as 3.5%. Enjoying quicker eligibility following a major credit issue such as bankruptcy or foreclosure. Allowing a co-applicant to help you get the loan, even if you don’t live in the same household. Conventional Loans—A non-government insured loan that can be used with a second home purchase or an investment. Unlike FHA loans, conventional loans can require a higher credit score (often a minimum of 640), but they can have some major advantages for you. Conventional loans can allow: A risk-based premium, unlike FHA where one set premium rate is required from everybody, MI if applicable. Your monthly payments to be lower, even if you have a higher interest rate. Your loan to cover a higher loan amount. You to cover different types of loans like, investment or second home (FHA doesn’t do those types). When considering an FHA loan versus a conventional loan, keep in mind that conventional loans are not affiliated or insured with the government like FHA loans. Additionally, an FHA requires mortgage insurance and conventional loans do not, unless the LTV exceeds 80%. There is an upfront MI premium (1.75%) that is required on FHA loans that is not required on Conventional loans. For a more detailed look at FHA loans versus conventional loans, or assistance with applying, call or meet with your local mortgage loan professionals. *Loans subject to credit approval. 3 min read

Best Personal Loans in Albemarle, NC

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Personal Loan Options with First Bank

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