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First Palmetto Consumer Loans
At First Palmetto, we offer competitive rates and terms on personal loans designed to meet all your consumer needs.

Home Equity Line of Credit (HELOC)

Our HELOC is a revolving line of credit secured by the equity in your home that offers you convenient access to credit when you need it. Once approved, you can write yourself a loan simply by writing a line of credit check. When you pay down your outstanding balance, that amount again becomes available to borrow. You get convenient financing with potential tax deductibility(please consult your tax adviser). A HELOC is most commonly used for home improvements, debt consolidation, college tuition and paying unexpected expenses.

Second Mortgage
For customers who want a predictable monthly payment of principal and interest, we also offer the traditional fixed rate second mortgage loan with terms as long as fifteen years. In certain cases, the combined first and second mortgage can be as much as 100% of the value of your home. Bridge loans are also available to assist homeowners who are buying a new house when their current home has not sold or if sold, has not yet closed. This short term financing method allows you to leverage the equity in your existing home.

Vehicle Loans
It is simple and convenient to apply for a vehicle loan at First Palmetto. From automobiles to boats to recreational vehicles, First Palmetto has the right answer for you.

Other Collateralized Loans
If you have stocks, bonds, savings accounts or certificates of deposit for collateral, you can enjoy a lower rate on your loan and keep earning on your investment. We can respond to your loan request quickly and offer terms and rates to suit your needs with collateralized loans.

Overdraft Protection
First Palmetto's overdraft protection offers you convenient access to credit when you need it. The unsecured line of credit is tied to your checking account which allows you to manage your cash flow and avoid unexpected overdrafts. There are no annual fees and low minimum payment requirements.

Unsecured Loans
With just your signature, you may qualify for an unsecured loan from First Palmetto. Although the terms and conditions are normally not as favorable as loans with collateral and the underwriting criteria is more stringent, an unsecured loan may be the correct solution to a financing need.

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