Lending

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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. 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.

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.

HOME IMPROVEMENT

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

HOME EQUITY LINE OF CREDIT (HELOC)

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

home equity loan

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

personal loan

Consolidate debt and pay for other large expenses.

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.

auto loan

Hit the road in a new or new-to-you¹ car, truck or SUV².

Boat, RV and All-Terrain VehicleS loan

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

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.

boat slip financing

Fund the perfect spot for your watercraft.

All loans are subject to credit approval. Lines of credit are subject to periodic credit review.

¹ For vehicles less than five years old.

² Light truck with payload capacity of less than 4,000 pounds.

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.

	Type	commonly used for	features	loan amounts
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. Funds can be transferred from the Line to a North State Bank deposit account using Online Banking. Option to convert to a fixed-rate installment loan at any time.	$1,000 - $50,000
Home Improvement	Interest-Only for a Set Period, Converts to an Installment Loan	Large-scale residential home improvements such as a home addition or renovation.	The available loan amount is based on the projected home value once the improvement is complete.	$5,000 - $1,000,000
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 checks or in-person draw from a banking office. Funds can be transferred from the Line to a North State Bank deposit account using Online Banking. Option to convert to a fixed-rate installment loan at any time.	$5,000 - $1,000,000
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
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
Mortgage Loan	Home financing	New home purchase, refinance an existing loan or building a custom home.	EXPLORE FINANCING OPTIONS
Auto Loan	Installment Loan	New or pre-owned¹ car, truck or SUV² purchase	A predictable monthly payment for the life of the loan.	$5,000 - $100,000
Boats, RVs & All-Terrain Vehicles	Installment Loan	New or pre-owned boat, RV or ATV¹ purchase	A predictable monthly payment for the life of the loan.	$5,000 - $250,000
Overdraft Protection Line of Credit	Line of Credit	Temporary cash needs	Easily transfer funds from your Overdraft Line to your checking account through Online Banking.	$1,000 - $50,000
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 - $500,000
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
Credit Card		For day-to-day expenses and purchases that you plan to repay in the near future	Explore and apply now.

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All loans are subject to credit approval. Lines of credit are subject to periodic credit review.

¹ For vehicles less than five years old.

² Light truck with payload capacity of less than 4,000 pounds.