Personal Loans

We do one thing most big banks don’t… We consider you in our loan decision and don’t rely solely on a computer.

Loan Payment Calculators

As you’ll see below, we have all sorts of personal loan options. To help you understand how much you can afford, use our simple calculators.

Personal Loans Calculator

Mortgage Calculator

Auto Loans

Let us show you how EASY getting a new ride can be! Auto loans are one of our specialties. We have great rates, so it pays to check with us first. We can pre-approve you for an amount, and then you can shop to find the automobile you’d like!

Recreational Loans

Off-roading has never been easier. Whether you want a four-wheeler, RV, motorcycle, boat, camper, or any other recreational vehicle, we have recreational loans that fit the bill. You’ll be cruising down the road, water, or trails in no time!

Line of Credit

Our Ready Line product is ideal for those that are in a pinch for short-term cash needs. If you need a bit of cash for an appliance repair, auto repair, holiday shopping, and more, our Ready Line can help. You can write a check or transfer funds in Banking Butler®. You have the ability to access, repay, and access again without reapplying.

Home Equity Line of Credit (HELOC)

Perhaps you live in your dream home, but you need to make a repair here or there. You might want to add a deck. Your spouse may really want the kitchen remodeled. You might just need a little extra cash. A HELOC is the perfect kind of loan for these situations and more.

If you have equity in your home, why not use it? Here are some of the benefits of a First Harrison Bank HELOC:

  • Funds for repairs, remodels, additions, and more
  • Revolving line of credit
  • Write a check or transfer funds online from your HELOC

With our HELOC special, you can even get no closing costs on your next HELOC!* Be sure to call us to inquire to see if you qualify for this great special!

*Rate is adjustable based on Prime Rate and margin. Current Prime Rate as of February 2, 2023 is 7.75% as published in the Wall Street Journal “Monthly Rates” section, but APR cannot decrease below floor rate of 3.25%. Maximum 24% APR in Kentucky. Maximum 25% APR in Indiana. Maximum CLTV 80%. Your loan amount will be determined by your home value, available equity, and credit history. $75 annual fee after first year. To receive the $0 closing costs, you must have an open, primary FHB account, a minimum loan amount of $10,000, and at least one borrower with a credit score of 650 or greater. Closing costs range in amount typically from $524 - $731. This loan is not available for the purchase of a primary residence. Proceeds cannot be used to pay off existing First Harrison Bank second mortgages or home equity lines of credit unless that loan matures within six months. Second mortgages and home equities not maturing within six months will be eligible if line of credit is increased by $25,000. All loans are subject to underwriting and approval. You must carry insurance on the property that secures this loan. Other restrictions may apply. Limited time offer.

Second Mortgage

From time to time, we need to make big purchases in life. We often don't have the funds to pay for the large purchase in one lump sum. If you have equity in your home, the difference between what you owe on your first mortgage and what the current value is today, and need a lump sum for whatever life has brought, a second mortgage could be a good option for you.

Second Mortgage Facts

  • You'll receive a lump sum loan from the bank.
  • Fixed term and rate.
  • Consistent payments make it easy to budget.
  • Generally, second mortgage rates are better than credit card rates.
  • Can be used for things like home renovation, repairs, weddings, credit card consolidation, or any other large purchase.
  • The interest may be tax deductible. Please consult your tax advisor for details.

Credit Cards

We have several credit card options available for personal or business customers. See our dedicated Credit Cards page for more information.

Personal Loans

Perhaps your particular situation doesn’t fit into the mold of the types of loans you see listed on this page. We have unique loan options. Sometimes, a loan request requires an explanation or some background. Visit a branch and talk to us!

Accident and Health and Credit Life

We all hope for the best, but life happens. If you were to become sick or injured, your loan still requires payment. With Accident and Health Insurance, your loan payments will be covered until you regain your health. If you were to pass away, your family wouldn’t be left with the burden of your loan because Credit Life Insurance would pay off your loan.

  • No medical exam
  • The same rate for everyone
  • Immediate protection
  • Included in your monthly payment
  • Get your unused premium back if you pay off your loan early

Annual Credit Report

We always want you to be mindful of your credit history, inquiries, and anything else on your credit report. Keeping an eye on your credit report is a great way to stop or prevent fraud or any other irregularities. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every twelve months.

For more information on how to obtain your free credit report, visit Annual Credit Report.

Looking for home loans? See our Home Loan Products page!


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