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Loan Options

You know what you want. We know how to help you get it.

Flexible terms. Affordable rates. Two ways we can help you make a special purchase or cover unanticipated expenses. All of our personal loans offer a choice of convenient payment methods, including mail, at a branch, online, or automatic debit from your deposit account.

Lending Solutions

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  1. Home Equity Installment Loan

    Home Equity Installment Loan box

    Ideal for home improvements, college tuition, debt consolidation or other large, one-time purchases.

    • Borrow up to 85% of the value of your home1
    • Fixed, affordable interest rate4
    • Discount available for automatic payment from an FNB deposit account.
  2. Home Equity Bridge Installment Loan

    Bridge Loan box

    Bridge the financial gap between when you sell your current home and purchase a new one, or great for making the down payment on your new home.

    • Loan amounts from $25,000-$150,000
    • Borrow up to 75% of the value of your home1
    • Fixed, affordable interest rate
  3. Home Equity Line of Credit

    Home Equity Line of Credit box

    A Home Equity Line of Credit from FNB is a credit line which helps you access the equity in your home to provide a re-usable source of financing to help meet your financial objectives.

    • Flexibility to borrow over and over
    • Variable interest rate with option to lock in a fixed rate
    • Only pay interest on the amount you use5
  4. Unsecured Installment Loan

    Unsecured Installment Loans

    An easy way to borrow the money you need without having to use your home or other assets as collateral for the loan.

    • No need to pledge your personal assets
    • Multiple Repayment Terms Available1
    • Provides immediate buying power
  5. Secured Installment Loan

    Secured Installment Loan box

    Experience the flexibility of a Secured Installment Loan from FNB. Secured loans generally have higher borrowing limits and lower rates than other borrowing options.

    • Generally lower interest rate than unsecured loans
    • Borrow up to $250,0004
    • Multiple repayment terms available4
  6. Unsecured Line of Credit

    Unsecured Line of Credit Loan box

    An easy way to borrow the money you need without using your home or personal residence as collateral for the loan. Gain access to your funds immediately as you need them.

    • Competitive variable interest rate
    • No collateral required
    • Access funds through check or transfer
  7. Automobile Loans

    Automobile Loan box

    With a simple application, fast processing and competitive rates, auto loans from First National Bank are some of the best on the road.  

    • Offered for new and used vehicles
    • Flexible repayment terms1
    • Discounted rate with automatic payments2

  8. Recreational Vehicle Loans

    Recreational Vehicle Loan box

    Road trip until your heart is content with a new or used motor home, travel trailer, or conversion van and an RV Loan from FNB.

    • For motor homes, travel trailers, and conversion vans
    • Flexible repayment terms1
    • Borrow $2,500 - $75,000
  9. Boat/Yacht Loans

    Boat/Yacht Loan box

    It's easy to keep above water with a loan from FNB.

    • Flexible terms available1
    • Borrow from $2,500 - $125,000
    • Attractive fixed interest rate
  10. Motorcycle Loans

    motorcycle loan box

    Affordable rates to get you on the road.

    • Finance new or used motorcycles
    • Flexible repayment terms available1
    • Borrow up to $25,000
  11. Secured Line of Credit

    Secured Line of Credit Loan box

    A variable rate loan that allows you instant access to your funds as you need it. Pay interest only on the amount of the line you use. Lines are secured by an FNB Savings account as collateral.

    • Competitive variable interest rate
    • Interest-only payments on outstanding balance
    • Flexible credit amounts available
  12. FNB SmartRewardsSM Credit Card

    FNB SmartRewards Credit Card

    It's never been easier to score valuable rewards. Earn 1 point for every $1 spent on qualified purchases. Redeem for top name-brand merchandise, gift cards, cruises, car rentals, vacation packages and more!

    • Earn points on qualifying purchases
    • No limit on points earned3
    • Redeem points for travel, merchandise and more
  13. FNB SmartCashSM Credit Card

    FNB Smartcash Credit Card

    Use your FNB SmartCash Card to make everyday purchases and watch the cash rewards add up. Earn 1% cash back rewards on all qualified purchases. Redeem in $25 or $50 increments through automatic deposit into your FNB checking account. Cash rewards can also be redeemed for a vast array of retailer gift cards!

    • Earn cash Back
    • No limit on cash back
    • Redeem for gift cards
  14. FNB SmartRateSM Credit Card

    FNB SmartRate Credit Card

    With 0% introductory APR6 for the first 12 months and a variable APR of 11.99%-19.99%6 
    after based on your creditworthiness, you'll save with lower rates. Even if you carry a balance, start paying less from day one (see important pricing information below.6)

    • Save with lower rates on purchases
    • Save with lower rates on balance transfers
    • No Annual Fee.6

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

Help me decide
Notices & Disclosures
1- Available terms vary based upon the type of vehicle and loan amount.
2- Interest rate discount is available when you set up automatic monthly payments from an FNB account.
3- No points are earned for finance charges, fees, cash advances, foreign transaction currency conversion charges, ATM withdrawals, balance transfers or insurance charges posted to your account.
4- All loan products are subject to credit approval.
5- Interest may be deductible; check with your tax advisor.

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