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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Small-Dollar, Short-Term Loans


When you need cash for an unexpected expense or an emergency, this is the easiest and fastest way to get it.

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Best option when your cash needs are between $200 - $1,000
  • Ability to apply for a loan 24/7
  • No credit report review
  • Reasonable interest rates and fees
  • Loans subject to underwriting and ability-to-repay determinations
  • Loan is repaid in 3 installments over 3 months
  • $250 minimum daily balance required to avoid a quarterly charge of $3
  • If you exceed six withdrawals or transfers, there will be a $2.50 service charge for each additional withdrawal or transfer paid

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer