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. 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.
 

Life-Ready Loans

Many of our loans and lines of credit (Life Line, Home Equity, Personal, Vehicle and Boat Slip) 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. 

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

auto loan

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

Boat, RV and All-Terrain VehicleS loan 

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

boat slip financing

Fund the perfect spot for your watercraft.
More details

Buying, Building or Renovating a Home

We offer an assortment of lending solutions for your home financing needs.

HOME IMPROVEMENT

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

RESIDENTIAL LOT LOAN

Secure the perfect location for your custom home.
More details

Credit Cards 

Powered by MasterCard, a North State Bank credit card is an easy way to pay on-the-go.  Explore the card options, terms and conditions, as well as apply online.  
 
 All loans are subject to credit approval, terms and conditions. Lines of credit are subject to periodic credit review. 
 

1Vehicles may be up to five years old.
2 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 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 fixed monthly payments.
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-owned car, truck, motorcycle or SUV purchase1,2 A predictable monthly payment for the life of the loan. $5,000 - $100,000

Boat, RV & All-Terrain Vehicle

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. 

Scroll to view the rest of the table.
All loans are subject to credit approval, terms and conditions. Lines of credit are subject to periodic credit review. 
 

1Vehicles may be up to five years old.
2 Light truck with payload capacity of less than 4,000 pounds.