Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9

Important Information: We’re here to help, click here for important information on our coronavirus response.

Back
Scroll to top

Access lines of credit that keep your life moving.

Our two types of personal loans give you flexible borrowing options and financial protection. Each is offered with highly competitive rates and terms. You can apply for them at your local branch.

Perfect for you if:
  • You need flexible credit.
  • You have a reliable job.
  • You want protection for financial surprises.

Personal Line of Credit Features

  • A Personal Line of Credit provides you with instant borrowing power. By simply writing a check, you can request cash when you need it.
  • Qualified collateral may be required to secure your personal or commercial line.

Ready Reserve

  • A convenient safeguard that’s easy to use and easy to appreciate.
  • Eliminate the worry and hassle of an overdraft.
  • In the event that your checking account does not have sufficient funds to cover a check, First Bank will automatically transfer funds into your checking account from your overdraft line of credit, helping you avoid costly NSF or Overdraft fees.
  • You can also use your Ready Reserve to borrow money up to your overdraft limit.

*Loans are subject to credit approval.

Trending Topics

Get a Jump-Start with the Best Savings Account for Kids in Florence, SC

The percentage of children in Florence, SC, under the age of 18 (24.2%) ranks higher than the state average (22.0%) and even the national average (22.6%). Given this abundance of young children in the area, it’s important...

First Bank in Asheville, NC: Serving the Local Community

If you live in the greater Asheville, NC, area and are searching for a nearby bank that meets your needs, look no further than First Bank¹. From Biltmore Village to Downtown Asheville to Historic Montford, we serve the...

Commercial Loan Payment Calculator

Are you interested in obtaining a commercial mortgage? A commercial loan calculator* can help determine your monthly payments. This is important because purchasing a location for your business is significant and requires a...

Savings Account – South Carolina

If you live in South Carolina and are looking for a savings account, your local First Bank can help. We offer savings accounts to meet a variety of needs, and we are dedicated to helping you find the best way to save....

Best Checking Accounts – North Carolina

First Bank strives to provide our customers with the best checking accounts in North Carolina. That is why each of our checking accounts comes with unique benefits such as free online and mobile banking, free online bill...

Compare First Time Mortgage Rates with First Bank

When you’re ready to buy a house, it’s easy to get caught up in all of the excitement of shopping and forget about the financial aspect. Once you’ve found the perfect house, the first thing you may be...

Need Help Financing a Wedding in North Carolina?

If you need help financing a wedding in North Carolina, just seek out one of 100+ First Bank locations scattered from Asheville to Kill Devil Hills. We offer a variety of loans that can help you finance the wedding of your...

What is the SBA?

If you have a business plan but are having trouble acquiring a bank loan, consider reaching out to the Small Business Association (SBA). The SBA is a government-affiliated organization that provides small businesses with a...

Hassle-Free Savings Account – High Point, NC

Saving your hard earned cash shouldn’t be a hassle. At First Bank in High Point, NC, we understand the importance of saving and we want to make sure our customers aren’t worried about their savings accounts. First Bank...

What Are 20-Year Mortgage Rates?

There are various factors to consider when purchasing a home, including how to finance it. Some consumers may opt for a mortgage with a shorter term while others find it beneficial to extend the mortgage. It may be best to...