Loans and Lines of Credit

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

Explore Personal Loans

Find a Banker

Types of Lending Solutions

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 fixed monthly payments.

or
Line of Credit: You are given access to a certain amount of money to borrow from as you need.

Many of our loans and lines of credit include:

No origination fee.

Late payment fee forgiveness once during the life of the loan.

0.25% interest rate reduction when enrolled in automatic payment remittance linked to a North State Bank deposit account.

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 large and small, including minor to moderate home improvements and repairs, vacations, debt consolidation, car repair and fluctuations in cash flow.

See Details

Loan amounts from $1,000 to $50,000.
Continuous, easy access to funds by transferring money into a North State Bank deposit account using Online Banking. Funds may also be accessed by check or in-person draw from a banking office.

Home Equity Line Of Credit

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

See Details

Continuous, easy access to funds by transferring money into a North State Bank deposit account using Online Banking. Funds may also be accessed by check or in-person draw from a banking office.

Home Equity Loan

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

See Details

The loan amount is provided to the borrower at the outset of the loan.

Personal Loan

Consolidate debt and pay for other large expenses.

See Details

Common forms of collateral include personal assets such as a savings account, stocks and bonds, and other personal property.

Auto Loan

Hit the road in a new or new-to-you¹car, truck or SUV².

Boat, RV, and ATV Loan

Take to the land or sea with a boat, jet ski or other recreational vehicle².

Boat Slip Financing

Fund the perfect spot for your watercraft.

Overdraft Protection

When an unexpected expense or a miscalculation of your account balance occurs, an Overdraft Protection line of credit can help you have funds on-hand to cover it.

See Details

Overdraft Protection is a line of credit linked to your checking account.
After funds in your checking account have been depleted, additional funds will be transferred from your line of credit to the checking account to cover debits, checks, and other withdrawals.
Your line of credit will advance funds in increments of $100 up to the amount of your credit limit, as needed. For example, if a check for $230 is submitted for payment and your current checking account balance is only $200, your line of credit will add $100 to your account, covering the $30 difference and leaving an additional $70 for other expenses that may be incurred before the next deposit.
The minimum monthly payment is 3% of the outstanding balance or $25 (whichever is greater). We will automatically draft the checking account linked to the line of credit for the minimum payment on the payment date. The Overdraft Protection line of credit can be paid off at any time without penalty.

Residential Lot Loan

Secure the perfect location for your custom home.

See Details

Fixed rate with interest-only payments.
For residential lot purchases in a platted subdivision for a primary residence or second home.
Loan amounts up to $500,000.
Financing available for up to two years to give you time to design your dream home.

An Easy Way to Pay

Credit Cards

Powered by MasterCard, a North State Bank credit card is an easy way to pay. Credit card transactions are easily monitored through online account access and detailed monthly statements.

Explore the Details and Apply

Young son hugging dad working on his computer

Tools at Your Finger Tips

Personal Financial Statement

A personal financial statement may be needed during the application process. For your convenience, download the form-field PDF below.

Download Fillable Personal Financial Statement