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Secured Installment Loan

Access serious borrowing power.

With a convenient lump-sum distribution of loan proceeds, fixed rate and fixed repayment schedule, a Secured Installment Loan from FNB lets you borrow against your savings so you can consolidate higher-interest debt, make home improvements and more.

To Apply Now or Schedule an Appointment:

Applying for loans just got easier – Apply for multiple loans at once with our fast and easy eStore® Common App.

    • 2 Arrows Pointing Opposite Directions

      Generally lower interest rate than unsecured loans

    • Bag with Dollar Sign

      Borrow up to $250,0002

    • Arrows

      Multiple repayment terms available3

  • Lending Solutions for Accomplishing Your Goals:

    A Secured Installment Loan from FNB1 can provide you with the borrowing power you need to meet your financial objectives. These loans are repaid over a set time frame with a specific number of payments. By using your FNB Savings Account or Certificate of Deposit as collateral for the loan2, we can generally offer higher limits and a lower rate than other forms of borrowing.

    Key Features:

    • Borrow up to $250,0002
    • Secured with an FNB Savings Account or Certificate of Deposit
    • One-time, lump-sum distribution of loan proceeds
    • Fixed repayment schedule
    • Available with a fixed or variable interest rate
    • Flexible repayment terms3

    Key Benefits:

    • Immediate spending power
    • Secured loans often offer higher limits and lower rates than other forms of borrowing
    • Flexible and convenient payment methods, including by mail, in-branch, online or automatic debit from your deposit account

    Great For:

    • Larger, one-time purchases
    • Home renovations
    • New appliances
    • Debt consolidation

  • Qualifying for a Secured Installment Loan:

    FNB uses credit score, employment history, monthly debt payments and income, the amount and type of collateral, among other factors, when considering whether or not to approve your application.

    The Borrowing Process:

    Our objective is to make the borrowing process simple and straightforward. To apply for a Secured Installment Loan, you will want to have the following information available for your branch visit:

    Required Identification:

    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa)

    Getting Prepared:

    While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income
    • To provide bank statements
    • To provide tax documents

With any account, you also get the latest in digital technology:

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Browse all

Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.

Compare all

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Still not sure? Answer a few quick questions to help you find the right borrowing option.

Help me decide

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

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Notices & Disclosures

1 - All loan products are subject to credit approval 
2 - Subject to credit and collateral evaluation
3 - Minimum term applies

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