FNB offers a full breadth of personal banking products and services. From checking and savings accounts to loans and more, we have something for everyone.
FNB Direct is an online banking service that allows you to access your account information anywhere and anytime. Log in now to get started.
Revolving Line of Credit
A revolving line of credit offers a borrower access to a set amount of funds that can be used repeatedly, as long as the borrowing limit is not exceeded. When the debt is paid down, the funds are made available again for future use, minus any interest charges. This is a popular type of financing for home equity lines of credit (HELOC), personal and business lines of credit and credit cards.
An installment loan is different from a revolving line of credit, as it provides a fixed amount of money that is boodle payday loans repaid in equal monthly payments over a specific period. These loans are great for a new car, home improvement projects and debt consolidation.
When obtaining an installment loan, the lender will consider your credit history, current income, employment stability and other factors before making a decision on your application. This includes a review of your assets, which could result in requiring a lien agreement pledging your assets as collateral. An FNB specialist can help determine the best solution for you.
Fixed Rate Loan
With a fixed rate loan your monthly principal and interest payments will never change over the life of the loan. This makes it easier to budget for the future. It also helps with car purchases, where depreciation can otherwise make the total cost of financing seem high.
The amount of interest you pay on your loan will depend on how long you take to repay it and the type of loan you choose. Some lenders offer both fixed and variable interest rates, allowing you to determine which option is best for your personal circumstances. Choosing between a fixed and variable rate will likely come down to your comfort level with risk, and how much you want to control your monthly payments and the overall repayment amount of the loan.
Some lenders offer a biweekly payment schedule, which can speed up amortization and reduce total interest costs. This is typically offered on a 5-year fixed rate mortgage, but can be available on other types of loans. These programs typically come with a fee, and you must be sure to read the terms carefully before applying. A biweekly payment schedule can be a great way to manage your finances and make your dream home more affordable.
CashPlease Small Dollar Loan
A cashplease small dollar loan provides a convenient, affordable alternative to payday loans and credit card cash advances. Unlike payday loans, which often feature exorbitant interest rates, cashplease small dollar loans are paid off in easy, manageable installments, so you can build good financial habits without accumulating debt.
The program allows members to borrow up to $1,000 with flexible repayment terms. The amount you qualify to borrow is determined by routine banking activity rather than credit history or scores, and the loan can be renewed as often as needed. If you don’t qualify for the maximum amount, it’s a good idea to ask about other options that may be available.
Many community banks offer low-interest personal loans, and you can also consider nonbank sources for financing, such as a credit union or nonprofit financial cooperative. If you choose a nonbank source, be sure to research the terms and fees before making a decision.
To help you manage short-term expenses, FNB offers a small-dollar loan option for our checking account holders. You can apply online or at a branch. The loan is subject to a credit check and the application must be approved. Once you’re approved, your funds are typically available within 24 hours. You can only get two of these loans per rolling six-month period. For more information, visit the CashPlease website.
Mortgages
FNB can provide financing to purchase a new or used car, a home project, debt consolidation and more. Consult with a loan officer to help determine the right solution for you and your budget.
Personal Installment Loans offer competitively priced financing with regular monthly payments over a set period of time. This option is perfect for those who are looking to meet a specific need like purchasing a vehicle, a vacation, home improvement or debt consolidation.
To obtain financing, you will need to submit a credit application and provide acceptable proof of income. Click the link below to start the pre-qualification process. By clicking this link you will be leaving the FNB website and entering a third party site. FNB is not responsible for the products, services or overall website content available at this third party site.
