Loans & Mortgages

Loans and Credit Lines

First Guaranty Bank offers loans and lines of credit for all types of needs. From installment loans... to auto loans... to home equity loans and more. You'll enjoy the competitive rates you want and the flexible terms you need. All from helpful bankers who are willing to work with you every step of the way. So when you're ready to apply for a new loan, just give us a call and one of our knowledgeable loan specialists will be happy to assist you.

Consumer Loans

First Guaranty Bank specializes in providing personal loans of almost any size for virtually any occasion. We take the time to listen and understand, because what's important to you is important to us.

The Odds Are In Your Favor
Sometimes the hardest part of a loan is finding an agreement that you can live with. First Guaranty Bank's loan agreements have you in mind from the start. Our rates are consistently among the most competitive you'll find in the area. And terms are flexible... designed to fit comfortably into your lifestyle and budget. Both will vary depending upon the type of loan, and the current market conditions, and in some instances collateral will be requested to secure a loan. But in all cases, First Guaranty Bank works extra hard to make borrowing extra easy for you.

Automobile Loans – New & Used
When you're ready for a new car, we're here to help with just the loan you're looking for. Our new and used automobile loans are loaded with features that will get you on the road quickly and easily. Great rates and flexible terms are guaranteed.

Installment Loans
When you need a loan that will spread equal payments over a specific period of time, our Installment Loan is the perfect answer. The Installment Loan is our most popular and affordable plan.

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Commercial Loans

First Guaranty Bank Commercial loans are available for a variety of business purposes: seasonal assets growth, long-term working capital growth, expansion of fixed assets, etc. First Guaranty Bank also finances commercial real estate, providing funds for purchase, construction or business capital. We are also an approved lender of the Small Business Administration. Local decision-making. Fast Response. Contact Bonnie Dennis or your commercial loan officer for more details.

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Mortgages

Buying a home can be one of the most exciting—yet frustrating—events in a person's life. First Guaranty Bank can help make it easy with a fixed or adjustable rate mortgage. Work directly with people you know and trust—who live right here in your hometown. Our lending team of professionals can help you every step of the way.

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Home Equity Loans and Credit Lines

A Home Equity Credit line is a revolving line of credit secured by the equity in your home and can be used for any purpose. After your line of credit is established, accessing your line is as easy as writing a check. Unlike many other types of consumer loans, the interest paid on a Home Equity Credit line may be fully tax deductible. Please consult your tax advisor for your particular situation. A Home Equity Credit line is based on the Wall Street Journal Prime Rate. Rate is subject to change.

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