Personal Loan Application – Apply for a Personal Loan
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 two types of personal loans you can apply for:
- 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.
- Ready Reserve is First Bank’s first line of defense against overdraft fees. With Ready Reserve, accidental overdrafts are no big deal. In the event that your checking account does not have sufficient funds to cover a check, we will automatically transfer funds into your checking account from your overdraft line of credit, helping you avoid costly overdraft fees. You can also use Ready Reserve to borrow money up to your overdraft limit.
- Home Equity Lines of Credit (HELOCs) are flexible options where you take out a loan using your accrued home equity as collateral.
- 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.
- Boat and RV loans can take you one step closer to your next dream vacation. We provide loans with competitive, fixed rates and no prepayment penalty.
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 one point of every $3 you spend on qualified purchases.
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.