When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice. After all, what is Southern Hospitality if we aren’t lending you a hand? With flexible terms and borrowing limits, we work with you to find a loan that fits your needs. The loans may be secured or unsecured. We make financing convenient and affordable with set monthly payments and fixed interest rates. All Southern Bank loan and credit services are *Subject to credit approval. Learn more about your loan options:


Are you buying, building, refinancing or just starting to look for your perfect home? This should be an exciting time in your life; not a stressful one. Let us ease the headache by working together to find a mortgage solution perfect for you.

  • First-time Home Buyer programs
  • Conventional loans
  • USDA Government Backed Mortgages
  • Affordable Housing Loans
  • Veterans Administration (VA) loans
  • Construction loans


When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice.

  • Cars, Boats, RVs and More
  • Flexible terms and borrowing limits
  • Secured or unsecured loans
  • Set monthly payments and fixed interest rate options make financing convenient and affordable


In case of an emergency or accidental overdraft, Cash Reserve Line of Credit can be a lifesaver. Just write a check and write yourself a loan anytime, anywhere.

  • Get an automatic line of credit built right into your checking account to cover overdrafts.
  • Use your own checks or make a loan directly from your reserve account with special Cash Reserve checks.
  • There is no charge to establish a Cash Reserve. – Finance charges only accrue when you use it.
  • Funds are advanced to your checking account in the amount that you need.


A Southern Bank EquityLine allows you to borrow using the equity you’ve built in your home and taking advantage of the current low rates. Pay for you child’s education, buy a car, renovate the kitchen or take that second honeymoon you’ve been dreaming about by writing an EquityLine check.

  • Extra cash when you need it
  • Fast, affordable, and convenient
  • Low monthly payments and flexible terms

Help Center

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  • Customer Care Center

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