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Personal Loans

LOCAL BANK.     LOCAL DECISIONS.     LOCAL SERVICE.

We are here to help you make your dreams come true.  We offer a variety of loans to assist you.

Our residential lenders are available to help you through the borrowing process and will keep in touch with you every step of the way.  As a local bank, we will respond to your request quickly.

Residential Mortgages

Buying a home? Why not see how much you qualify for before you start house hunting? It’s easy to get pre-qualified. Complete this simple Pre-qualification Application and email or bring it to any of our knowledgeable residential lenders. We’ll review the types of loans and amounts for which you may qualify.

Pre-qualification Application

Use our financial calculators to help determine what's best for you.

Our loan officers have the hometown knowledge and professional expertise to assist you with all your mortgage needs.

  • Construction-to-permanent
  • Purchases
  • FHA
  • Refinance
  • Home Equity Term Loans
  • Home Equity Lines of Credit

​From the first time home buyer who wants to buy or build their starter home, to our winter residents looking for a second home you can rely on our prompt and courteous service.

For current interest rates and personalized service, call or email one of our lenders to the right, they’re ready to help.

Ready to buy?

Get a jump start on the process by downloading our Residential Mortgage Loan Application. Gather your information and start to fill it out, then give us a call to schedule an appointment or email one of our lenders.

Mortgage Application

Park Model & Mobile Home Loans

More interested in a park model or mobile home? We can help you with that as well. We finance many of DeSoto County’s mobile home and RV park residents. Select the model you want and come see us. Also, we’ll finance mobile homes on your land.

Buying a “pre-loved” mobile home? Ask us about financing.

Complete this simple Pre-qualification Application and email or bring it to any of our knowledgeable residetnial lenders. We'll review the types of loans and amounts for which you may qualify for.

Pre-qualification Application

Ready to buy?

Get a head start on your application to purchase of a mobile home or RV in a rental park or a mobile home and land by downloading our application. Gather your information and start to fill it our, then give us a call to schedule an apporintment or email one of our lenders.

Mortgage Application

Questions or want to know interest rates?  Give us a call or email us.  We're here to help.

Home Equity Lines of Credit

Using the equity in your home can be a cost effective way to purchase your dream car, remodel your home or buy a boat. We want to assist you every step of the way.

A Home Equity Line of Credit provides flexible access to the equity in your home. Interest rates are favorable. We’ll be happy to review them with you.

It’s easy to apply, call the office most convenient for you. If you prefer, you can download the application to get started.

HELOC Application

Automobile & Boat Loans

Before you start your search for a new or used vehicle or boat, stop in to see us. Then when you make your deal, you’ll have the bargaining power of knowing your financing is in place. Call us any of our lenders in the right column for current rates.

To get a head start on your Automobile or Boat application today. Download the application, fill it out and bring it to any of our knowledgeable lenders.

Automobile & Boat Application

Want to know what you can afford? Here are some calculators to assist you.

Certificate of Deposit Loans

To get the best loan rates and terms, use your Certificate of Deposit as collateral. It is easy and your savings plan remains intact. Ask any of our lenders about it today.

Personal Loans

First State Bank of Arcadia offers a wide variety of consumer loans to help you purchase the things to maintain and enhance your lifestyle. Call the office most convenient for you for current rates and terms for car, RV, or other personal loans.

It’s easy to apply, simply download this application, complete it and bring it in to any of our knowledgeable lenders. We’ll review the types of loans and amounts for which you may qualify.

Consumer Loan Application

Want to know what you can afford?

Use our financial calculators to help determine what's best for you.

We're here to help.