Lending

Our lending solutions range from convenient ways to pay for the day-to-day to financing for life's largest purchases. When considering a loan, one of the first things to determine is which type of loan will work best for your situation: 
 
Installment Loan: A traditional loan where you borrow a set amount of money and make a fixed monthly payment.
or  
Line of Credit: You are given access to a certain amount of money to borrow from as you need.

All North State Bank personal loans include:
  • No origination fee.
  • Late payment fee forgiveness once during the life of the loan.
  • 0.25% interest reduction when enrolled in automatic payment remittance linked to a North State Bank deposit account.
  • All Lines of Credit can be linked to a North State Bank deposit account, allowing the balance of the deposit account to offset all or a portion of the loan balance.

Life line 

This personal line of credit can be used for purchases big and small, including minor to moderate home improvements and repairs, vacations, debt consolidation, car repair and fluctuations in cash flow. 

More details

HOME IMPROVEMENT

Complete large-scale home renovations and additions by borrowing from your home’s projected post-renovation value. 
More details

HOME EQUITY LINE OF CREDIT (HELOC)

Take advantage of your home equity by having money available “on demand” as you need it.
More details

home equity loan 

Use your home equity to borrow a specific amount with a predictable monthly payment.
More details

personal loan

Consolidate debt and pay for other large expenses.
More details

mortgage loan

Work with our mortgage experts to find the right loan for a home purchase, refinance of an existing loan or to build a custom home.  
More details

auto loan

Hit the road in a new or new-to-you2 car, truck or SUV3.
More details

Boat, RV and All-Terrain Vehicles loan 

Take to the land or sea with a boat, jet ski or other recreational vehicle.
More details

RESIDENTIAL LOT LOAN

Secure the perfect location for your custom home.
More details

Credit Card 

For day-to-day expenses and purchases you plan to repay in the near future.
More details

boat slip financing

Fund the perfect spot for your watercraft.
More details
All loans are subject to credit approval.  Lines of credit are subject to periodic credit review. 
1 Subject to credit review every 24 months.
2 For vehicles less than five years old.
3 Light truck with payload capacity of less than 4,000 pounds.
Our lending solutions range from convenient ways to pay for the day-to-day to financing for life's largest purchases. When considering a loan, one of the first things to determine is which type of loan will work best for your situation: 
 
Installment Loan: A traditional loan where you borrow a set amount of money and make a fixed monthly payment.
or  
Line of Credit: You are given access to a certain amount of money to borrow from as you need.

All North State Bank personal loans include:
  • No origination fee.
  • Late payment fee forgiveness once during the life of the loan.
  • 0.25% interest reduction when enrolled in automatic payment remittance linked to a North State Bank deposit account.
  • All Lines of Credit can be linked to a North State Bank deposit account, allowing the balance of the deposit account to offset all or a portion of the loan balance.

Type  commonly used for features loan amounts interest rate
Life Line 

Line of Credit  Small to moderate home improvements and repairs, vacations, debt consolidation, car repair, cash flow fluctuations. Continuous, easy access to funds with checks or in-person draw from a banking office. Interest due is based on the average amount borrowed from the line. $1,000 - $50,000 5.25% -
18.0%1
Home Improvement Line of Credit, Converting to an Installment Loan Large-scale residential home improvements such as a home addition and renovation. The available loan amount is based on the projected home value once the improvement is complete.  $5,000 - $1,000,000 4.50% -
5.625%
Home Equity Line of Credit Line of Credit Home improvements, college tuition, vacations, debt consolidation and vacation home down payment. Continuous, easy access to funds with an access card, checks or in-person draw from banking office.  Can  convert to a fixed-rate installment loan at any time. $5,000 - $1,000,000
5.0% -
6.75%
Home Equity Loan Installment Loan Home improvements, college tuition, vacations, debt consolidation and vacation home down payment. Designed for homeowners who want to borrow a set amount of money and have available home equity. $5,000 - $1,000,000
4.50% -
5.625%
Personal Loan Installment Loan Consolidate debt to simplify finances with one monthly payment, pay for large purchases, medical bills, etc. Designed for people who want to borrow a set amount of money and repay it over a set amount of time. $1,000 - $100,000 5.25% -
9.25%
Mortgage Loan  New home purchase, refinance an existing loan or building a custom home 
New home purchase, refinance an existing loan or building a custom home.  Explore financing
options.


Check with a lender. 
Auto Loan Installment Loan New or pre-owned2 car, truck or SUV3 purchase A predictable monthly payment for the life of the loan. $5,000 - $100,000 3.99% -
5.75%
Boats, RV & All Terrain Vehicles Installment Loan New or pre-owned boat, RV or ATV purchase A predictable monthly payment for the life of the loan. $5,000 - $250,000 4.0% -
5.75%
Overdraft Protection Line of Credit Line of Credit Temporary cash needs Continuous access to funds available for use when cash flow emergencies strike. $1,000 - $50,000 5.25% -
18.0%
Residential Lot Installment Loan Purchase or refinance of a lot to build a primary residence or vacation home Secure your lot now for your future dream home. $15,000 - $250,000 4.72% -
5.42%
Boat Slip Installment Loan Purchase or refinance of a boat slip A predictable monthly payment for the life of the loan.
$5,000 - $500,000
5.90% - 
6.65%
Credit Card 
For day-to-day expenses and purchases that you plan to repay in the near future
Explore and
apply now. 


Scroll to view the rest of the table.

All loans are subject to credit approval.  Lines of credit are subject to periodic credit review. 
1 Subject to credit review every 24 months.
2 For vehicles less than five years old.
3 Light truck with payload capacity of less than 4,000 pounds.