Personal Loan & Personal Line of Credit

Help for life’s unexpected expenses.

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Loan Options

If you are planning for a special occasion or need help with an unexpected expense, we offer secure and unsecured loan options with quick decisions so you have one less thing to worry about.

Types of Loans

  • Vehicle repair
  • Debt consolidation
  • Medical expenses
  • Educational expenses
  • Vacations
  • Dental Financing

Loan RatesLoan Calculator

Personal Unsecured Loan

A Personal Loan is an unsecured installment loan you can use for almost anything you need.


Personal Secured Loan

Receive a lower interest rate by using funds in your Southern savings account as collateral.

FAST Cash Line of Credit

Fast Cash is a pre-approved, personal line of credit that provides the convenience of readily available funds.

  • Lines of credit available up to $5,000.
  • You choose when to use the funds and for what purpose.
  • Easy to access funds:
    • Write yourself a check when you need it without having to reapply for a new  loan each time.
    • In person at one of our branch offices.
    • Calling our Telephone Service Center and having a check mailed to you or transferring the funds into your checking account.
    • By calling TellerPhone, our 24 hour a day, seven day a week audio response system.