Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Find Your Local Branch
Back
Scroll to top

Personal Loan Application – Apply for a Personal Loan

Personal Finances 2 min read

Ready to talk to an expert?

Find A Location Get In Touch

When you need to apply for a personal loan, the application process shouldn’t be complicated. Avoid confusing and complicated personal loan applications at First Bank. Our application process is easy and simple. We have more than 100 locations in North Carolina and South Carolina, where you can apply for a personal loan that meets your needs.

Applying For a Personal Loan is Easy at First Bank

At First Bank, there are several personal loans you can apply for:

  1. A personal line of credit provides you with instant borrowing power. If you need to request cash, all you have to do is write a check. First Line is an unsecured personal loan, but in some cases qualified collateral may be required to secure your personal or commercial line.
  2. Home Equity Lines of Credit (HELOCs) are flexible options where you take out a loan using your accrued home equity as collateral.
  3. Auto loans from First Bank are offered at competitive rates. Get access to funds in as little as 24 hours and purchase the new car you’ve been wanting.
  4.  Boat loans can take you one step closer to your next dream vacation. We provide loans with competitive, fixed rates and no prepayment penalty.

Personal Loan Application

First Bank Credit Card with Rewards

First Bank also offers a Platinum Credit Card with Rewards that allows you to make everyday and monthly purchases in a convenient and secure way. With our credit card rewards program, you can earn points on every qualified purchase.

Other benefits include:

  • Online customer service
  • 24-hour access
  • Zero liability
  • ID theft resolution
  • Price protection
  • MasterCard Global Service®

Visit a First Bank Today

To fill out a First Bank credit card or personal loan application, visit a branch near you.

*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.

———

Sources:

Investopedia: http://www.investopedia.com/terms/z/zero-liability-policy.asp

Investopedia: http://www.investopedia.com/terms/o/overdraft-protection.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186

Ready to talk to an expert?

Find A Location Get In Touch
Share:
First Bank’s Good To Know Logo
Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.
First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

HSA Rules and Regulations You Should Know If you have a high-deductible health insurance plan, a Health Savings Account (HSA) can help you save for future medical expenses. Health Savings Accounts were established by the federal government as part of the Medicare Prescription Drug, Improvement, and Modernization Act. Like any federal program, HSAs have rules you must follow in order to qualify, make contributions to your account, and withdraw your funds. HSA Rules and Regulations Rules for Qualifying According to federal guidelines, in order to qualify for an HSA, you: Must be covered under a high deductible health plan (HDHP) on the first day of the month Have no other health coverage (some exceptions apply) Are not enrolled in Medicare Cannot be claimed as a dependent on someone else’s prior year tax return Rules for Making Contributions Each year the IRS determines the amount that you, your employer, or anyone else can contribute to your HSA. Determine current contribution limits on the IRS website. Rules for Using Your Savings You can use the money in your HSA account for qualified medical expenses determined by the IRS. Typically, HSAs are used for treatments, prevention and diagnosis of conditions and diseases. HSAs at First Bank* A First Bank Health Savings Account provides you a tax-free distribution from your account any time you need to pay for medical expenses.** First Bank HSAs also come with online banking and bill pay to help you manage your account, and you can access your funds from anywhere with our HSA-specific debit card and checks. Other benefits include: Tax deduction for contributions even if deductions are not itemized Contributions made by employer may be excluded from gross income Contributions accumulate until used Tax free earnings HSA may be transferred or rolled over to another HSA Complete IRS reporting available FDIC insured To learn more about HSA rules and sign up for an account today, visit a First Bank branch near you. *Member FDIC. **Qualified medical expenses, as explained in IRS Pub. 502, include amounts paid for doctors’ fees, prescription medicines, and necessary hospital services not paid for by insurance. Qualified medical expenses may be incurred by you, your spouse, or your dependents. To be eligible for a HSA account, you must you must be 3 min read
Best Bank for Checking Account – South Carolina With options like First Bank, you shouldn’t have to feel uncertain about whether or not you’re making the right choices with your hard earned cash. Make the switch to First Bank and you’ll see why we are the best bank for a checking account in South Carolina and North Carolina. Checking Account Options at First Bank First Bank wants you to be able to answer the question, “What is the best bank for a checking account in South Carolina?” with confidence. That is why we offer five checking account options for individuals who are looking to get the most out of their money and bank. Each of our checking accounts comes with free online and mobile banking,* online bill pay, and free eStatements or paper statements. Our individual checking account options include: Our basic Everywhere Checking account Our Everywhere Plus that has all the benefits of Everywhere Checking, plus the chance to accrue interest Our Everywhere Premium account that has all the basics of Everywhere Plus, plus additional complimentary services A Campus Checking account designed for college students A Senior Checking account specifically for seniors over 55 Visit a First Bank Today First Bank’s dedication to its customers doesn’t end with our checking accounts. We offer more personal banking options, such as savings accounts and credit cards, as well as banking business banking options, a variety of mortgage products, wealth management options, and insurance. Visit a First Bank location in South Carolina today. *While First Bank does not charge for mobile banking, check with your mobile service provider for web access fees. iPhone®, and iPod Touch® are registered trademarks of Apple, Inc. Android™ is a trademark of Google Inc. Compatibility notice: The First Bank mobile app is not currently compatible with iOS7, the new operating system for iPhone, iPad® and iPod Touch®. We are aware of the issue and are working on an update to address it. We apologize for any inconvenience. ——— Sources: Investopedia: http://www.investopedia.com/terms/c/checkingaccount.asp Investopedia: http://www.investopedia.com/terms/i/interest.asp 2 min read
Image for tile. Am I Eligible for FEMA Relief? Here’s What You Need to Know Who Qualifies for Assistance? Federal disaster aid is available for residents and business owners in the following counties: Alexander, Alleghany, Ashe, Avery, Buncombe, Burke, Caldwell, Catawba, Clay, Cleveland, Gaston, Haywood, Henderson, Jackson, Lincoln, Macon, Madison, McDowell, Mitchell, Polk, Rutherford, Transylvania, Watauga, Wilkes, and Yancey. Not sure if you’re eligible? You can verify your eligibility and apply directly on FEMA’s website: DisasterAssistance.gov. What Assistance Does FEMA Offer? FEMA provides a range of relief programs aimed at helping individuals and businesses recover from disasters. Here’s a closer look at what you may be eligible to receive: 1. Housing Assistance This aid helps you secure safe shelter while your home is being repaired or rebuilt. FEMA can provide funds for: Rental Assistance: Financial support to rent a temporary residence if your home is uninhabitable due to disaster-related damage. Lodging Expense Reimbursement: If you had to stay in a hotel or motel, FEMA can reimburse you for these expenses. This is especially helpful if you were unable to find immediate rental options. Home Repair or Replacement: Grants are available to help repair or replace your home and address disaster-specific damages, such as water damage or mold. FEMA may also cover hazard mitigation measures that reduce the risk of future damage. Accessibility Needs: If you or someone in your household has a disability, FEMA can provide funds to make your home accessible. This might include ramps, grab bars, and other necessary modifications, even if these were not originally present before the disaster. Privately-Owned Roads, Bridges, and Docks: If the only access to your home has been damaged, FEMA can help cover repair costs for private infrastructure like roads and bridges. 2. Other Needs Assistance This program helps with essential expenses and serious needs beyond housing. Covered expenses include: Serious Needs: Grants to cover immediate necessities like food, water, first aid, prescriptions, and personal hygiene items, ensuring you have access to essentials during recovery. Displacement: If your home is uninhabitable, FEMA can help cover the cost of staying with family, friends, or in a hotel while you search for a more permanent solution. Personal Property: Financial assistance to repair or replace items essential to daily life, such as appliances, furniture, and work or school-related items like computers and tools. This can also include uniforms, books, and equipment needed for self-employment. Medical and Dental Expenses: If the disaster caused injury or damaged medical or dental equipment, FEMA can help cover the costs for treatment, equipment replacement, and prescribed medications. Funeral Costs: In the unfortunate event that the disaster resulted in a loss of life, FEMA offers support to cover funeral or reburial expenses. Child Care: For families facing increased child care costs due to the disaster, FEMA can provide funds to help cover these additional expenses. Assistance for Miscellaneous Items: Reimbursement for items like generators, dehumidifiers, and chainsaws that were purchased or rented to aid in the recovery process. Transportation: If your vehicle was damaged and you don’t have an alternative mode of transportation, FEMA may help cover the repair or replacement costs to ensure you have a way to get to work, school, or other essential places. Moving and Storage Expenses: FEMA can help with costs associated with moving and storing personal property, especially if it needs to be relocated temporarily during home repairs or if you need to move to a new residence. Each of these programs is designed to provide immediate and practical support, so you can focus on the well-being of your family and community as you rebuild after the disaster. How Do I Apply for FEMA Assistance? Applying for FEMA relief is straightforward. Here are the steps to get started: Apply Online: Visit DisasterAssistance.gov to apply for assistance. You can also download the FEMA App or call FEMA’s toll-free number at 1-800-621-3362. Register for an Account: If you’re applying online, you’ll need to create an account on Login.gov. This will allow you to save your application, upload documents, and check your status. Prepare Your Information: You’ll need details like your home and mailing address, Social Security number, insurance info, and bank details for direct deposit. Submit Your Application: Once you’ve completed the application, review it, make any necessary changes, and submit it. Be sure to save your application ID as you’ll need it for future communication with FEMA. What Happens After You Apply? After applying, FEMA will review your application and may contact you for additional information or to schedule an inspection. You can always log into your account on DisasterAssistance.gov to check your application status and receive updates. If approved, FEMA will disburse funds via direct deposit or a mailed check, based on your preference. For more information or to begin the application process, visit DisasterAssistance.gov, call FEMA at 1-800-621-3362, or use the FEMA App. Recovering from Disaster with FEMA’s Support If you’re affected by Hurricane Helene, you don’t have to face it alone. FEMA offers a range of programs designed to help you get back on your feet. Take advantage of these resources to help ease the journey to recovery. 5 min read
Off to College Hidden Costs of College (And How to Cut Down) College is expensive, that’s no surprise. But what you might not expect is how easily the extras, from books to housing, can add up. We dig into the sneaky costs of college and how you can be better prepared. 4 min read