Personal Loans

 What are you saving for? Big purchases mean big decisions. And we’re here to make those decisions easier for you. First State Bank offers a wide range of loans with flexible terms and simple interest, designed to fit your lifestyle and budget. You deserve to reach your goals. And we love helping you do it.


We want to put you at ease for purchases or costs that may (or may not) have been expected. Our personal unsecured loans offer a fixed payment and interest rate for planned purchases such as a motorcycle, wave runner, boat engine, vacation or wedding; or for unplanned expenses like medical bills, vehicle repairs, or debt consolidation. No matter what your need, we want to help you meet it. 


You've saved, and that says something about you - you're smart about money. So when it comes time for a major purchase or a surprise expense presents itself, don't surrender your hard earned savings, use it to qualify for a loan that has a lower interest rate than unsecured loans. With a First State Bank CD or Savings Secured Loan, you can meet your immediate need, while still continuing to achieve your long term savings goals. It's a win, win!


Need a new (or new to you) car? Or are you ready to hit the open road in a decked out RV? We can help set the wheels in motion. First State Bank car and RV loans are available for both new and used vehicles, with simple interest rates and terms tailored to your budget. What do you want to drive? We can help you get where you want to go – so give us a call.


We could say something about floating assets, but we won’t. We’ll just say we offer simple interest boat loans, available for both new and used vessels. Need a place to keep that new boat or the one you already have ready to go when the wind is right? We offer mortgage loans for boat slips too. First State Bank’s loans are designed to fit your individual lifestyle and cash flow. And we’re ready to help you get out on the water.  


You know where you want to be, and you want a timeshare to ensure you can get there – at least annually.  First State Bank of the Florida Keys offers financing designed exclusively for the timeshare resale market with low rates, long-terms (up to 60 months), and fast approvals for loans between $3,000 and $25,000.  Wherever your paradise is, let us help you get there.