Lending

Overview
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Our lending solutions range from convenient ways to pay for the day-to-day to financing for life's largest purchases.

Personal Loan

Consolidate debt and pay for other large expenses.

Auto Loan

Hit the road in a new or new-to-you car, truck or SUV.

home equity line of credit

Update your kitchen, take a dream vacation or pay college tuition with a flexible repayment plan.

home equity loan

Borrow from your home equity to finance expenses with a predictable monthly repayment plan.

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.

boat or rv loan

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

Motorcycle and All-Terrain Vehicle loan

Choose the road less traveled with a motorcycle or all-terrain vehicle.

overdraft protection line of credit

Protect against overdrafts to avoid bouncing checks, missing payments or having a declined debit card transaction.

RESIDENTIAL LOT LOAN

Secure the perfect location for your custom home.

Credit Card

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

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		_

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All North State Bank credit solutions and loans are subject to credit approval.