IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Personal Loans Options

Personal Loan Options

Loans to fit any type of need

Need some cash for a purchase? Want to purchase an antique vehicle? Did Rover treat your couch as a chew toy?  Listed below is some specific information about the types of loans we offer when your borrowing needs don't fit any one specific type of loan.

Unsecured/Personal Loans and Lines of Credit

These types of loans do not require any kind of collateral and the amount you can borrow is based on your credit history and income level.

Unsecured/Personal Loans and Lines of Credit Rates
Effective Date: Friday, September 26th, 2025
Loan TypeRates as low as
Personal/Unsecured Loan 14.75% APR*
Personal/Unsecured Line of Credit 14.75% APR*
Vacation Loan 12.00% APR*

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Vacation Loans

If you don't want to put that dream vacation on a credit card, then these loan options provide competitive rates and terms.

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Share and CD Secured Loans

These loan types allow you to borrow against the funds you have in savings, checking or a CD. This can be a great way to get quick access to cash without making a withdrawal.

Share and CD Secured Loan Rates
Effective Date: Friday, September 26th, 2025
Loan TypeAPRMaximum Loan Amount
Shares Secured Loan dividend rate + 3.00%* up to 100% of the available account balance
CD Secured Loan dividend rate + 3.00%* Up to 90% of the amount of the CD balance

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If you have any questions or need more information, please contact us at 901-380-7400 or at mail@firstsouth.com.

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We also offer many ways to make your loan payments. Learn more about our loan payment options.

First South Financial TruStafe

A personal loan with a rate of 14.25% APR and a term of 60 months will have a payment of approximately $23.40 per $1,0000 borrowed. Rates are subject to change or withdrawal without notice. Please see us for complete details.

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