Personal Loans

Recently found yourself in a financial bind and need a little help? First Southern Financial offers a variety of loans with competitive interest rates and manageable monthly installments.

In efforts to comply with government-mandated social distancing, all walk-in customers must adhere to our carefully measured safety parameters. If you are seeking financial services, please call ahead to make an appointment to avoid office crowding.

We ask that if a current or potential customer is experiencing any signs or symptoms of the Flu type A or B, common cold, or Coronavirus, please call our office or use our convenient online application.

Learn more about how First Southern Financial is supporting Neighbors through COVID-19!

Having difficulty qualifying for a traditional bank loan or simply looking for a local, trustworthy loan company to do business with? First Southern Financial is here to help. Whether you are trapped in a payday loan, looking for a small personal loan to cover unexpected expenses, an auto loan, or a debt consolidation loan, we have you covered. Our team of loan specialists will work with you to provide the best options available with competitive interest rates and manageable monthly payments.

Medical Expenses

Medical emergencies come at the most inconvenient times. Don’t stress about how you’re going to take care of your health, we’ve got you covered.

Auto Loan

Vehicles can be quite unpredictable. When an engine goes out or you need new tires, we’re here to help.

Home Improvement

Whether it’s unexpected repairs or updates to your home, we’ll work with you to get the funds you need.

Back To School Expenses

School is back in session! Let us help you get the supplies you need to be successful this school year.


Don’t miss out on sandy beaches, crisp mountain air or making memories with your loved ones. We’ll find a loan that works with your budget so you can enjoy your get-away.

Debt Consolidation

Get back on track with your financial goals. Let us help you consolidate your debt into one easy monthly payment.

About Loans from First Southern Financial

$300 – $25,000
Loan Range

We offer flexible loans to meet your financial situation.

6 Months – 72 Months
Terms Offered

We tailor the loan term to meet each customer’s specific needs.

14.99% – 48.99%
APR Range

We offer competitive interest rates and manageable monthly payments.

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.

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