General Disclaimer: All loans are subject to First Southern Financial's normal credit requirements. Valid photo ID and proof of income are required. Collateral may be required. Consumers in an active bankruptcy proceeding are ineligible. Not all applicants will qualify for larger loan amounts or most favorable loan terms. All loan approvals and actual loan terms are subject to First Southern Financials normal credit requirements and depends on your ability to meet our credit standards (including a positive credit history, sufficient monthly income to cover monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle and vary depending on your credit profile and state restrictions.
Military Lending Act: As a result of changes to the Military Lending Act, First Southern Financial is no longer able to make loans to active duty members of the armed forces or on active guard/reserve duty, spouse or dependents of the military member.