Consumer Loans

Overdraft Line of Credit (revolving/variable rate)

Enjoy the convenient, easy access to this revolving line of credit tied directly to your Southern Select checking account. Allows you to write a check, if necessary for more than the available balance in your account.  It could come in handy if you should accidentally overdraw your account by saving you embarrassment and the expense of returned check fees.*  **
APPLY NOW

Personal Line of Credit (unsecured/revolving/variable rate)

Qualify for this revolving credit line for as little as $1,000.   The money is there anytime you need it and you can access it by writing a check or making a transfer to your checking or savings account.  You’ll like the convenience of writing yourself a loan… when you need it! *  **
APPLY NOW

Personal Term Loan (unsecured/fixed term/fixed rate)

Whether planned or unplanned, we all know needs arise…braces,  musical instruments, car repairs, computer replacement etc.  Borrow the money you need, from as little as $500 and at a rate you can afford! *  **
APPLY NOW

VISA Credit Cards

Credit cards play a valuable role in our financial lives.  Southern Select provides 3 new card programs -- all with very attractive rates with Classic, Gold and Platinum credit lines.  These cards offer the convenient, secure and affordable credit you may need anytime.  Request an application today. *

Vehicle Financing (vehicle-secured/fixed term/fixed rate)

New and used, auto, truck or or recreational vehicle, get into the vehicle you want with a variety of loan options. *  **
APPLY NOW

Equity Advantage Home Equity Line of Credit (revolving/variable rate)

This convenient revolving line of credit  makes accessing the equity in your home as easy as writing a check or making a transfer to your Southern Select checking or savings account.*  **
APPLY NOW

Equity Select Fixed Rate/Fixed Term Home Equity Loan (fixed term/fixed rate)

When having a fixed monthly payment and a specified payoff date is important to you, Equity Select is the choice for you.  Terms available up to 15 years* **.
APPLY NOW

Check current rates for Consumer Loans

Contact one of our Consumer Lending Professionalsnearest you...


in the Kannapolis & Concord, NC area:
k_bonzo@southernselectccu.com
t_johnston@southernselectccu.com
k_hill@southernselectccu.com

in Eden, NC
j_morris@southernselectccu.com

*All loans products are subject to credit approval **The BOSS discount on loan rates applies to most consumer loans, except the overdraft line of credit, loans not secured by real estate and that are not special promotional loan offers.