Lending
All North State Bank credit solutions and loans are subject to credit approval.
Our lending solutions range from convenient ways to pay for the day-to-day to financing for life's largest purchases.
| loan type | commonly used for | features | collateral |
|---|---|---|---|
| Personal | Debt consolidation, large purchases, medical bills or wedding expenses | Borrow $1,000 to $100,000 with a fixed interest rate | A personal asset, such as a savings account, stocks and bonds, other personal property, or unsecured |
| Auto | New or pre-owned vehicle purchase or refinance an existing auto loan | Borrow $3,000 and up with a fixed interest rate | New and pre-owned vehicles up to 5 years old |
| Home Equity Line of Credit | Home improvements, college tuition, vacations, debt consolidation and new home purchase down payment | Interest-only repayment option with a variable interest rate | Primary residence or second home |
| Home Equity Loan | Similar to a Home Equity Line of Credit, funds can be used for home improvements, college tuition, vacations, debt consolidation and new home purchase down payment | Principal and interest monthly repayment with fixed interest rate | Primary residence or second home |
| Mortgage Loan | New home purchase, refinance an existing loan or building a custom home | Explore Financing Options | Primary residence or second home |
| Boat or RV | New or pre-owned boat, travel trailer, jet ski, etc. purchase | Borrow $3,000 and up with fixed interest rate | New and preowned boats and RVs |
| Motorcycle and All-Terrain Vehicles | Motorcycle, four-wheeler, etc. purchase | Borrow $3,000 and up with fixed interest rate | New or preowned motorcycle, four-wheeler, etc. |
| Overdraft Protection Line of Credit | Unexpected emergencies |
Borrow $1,000 and up; fixed and variable interest rate options available | Unsecured |
| Residential Lot | Purchase or refinance of a lot to build a primary residence or second home | Interest-only monthly repayment option | Residential lot in platted subdivision |
| Credit Card | For day-to-day expenses and purchases that you plan to replay in the near future |
Explore and apply now | _ |
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All North State Bank credit solutions and loans are subject to credit approval.