Type of Loans We Make

Downtown Norton, VA

At Southern Finance we have a long history of meeting the needs of our customers with the perfect loan. If you have perfect credit, need to establish credit, or re-establish less than perfect credit due to bankruptcy or slow payments, we are here to help. Our knowledgeable staff will confidentially meet each applicant with respect, regardless of credit history. At Southern Finance, we want you to feel at ease knowing that the loan you choose has been created to fit your budget. Our Secured Loans give each customer the freedom and flexibility to purchase a car, invest in real estate, consolidate debt, or to do just about anything. Our loan amounts, types, and repayment plans are as diverse as our many customers. Your loan will be designed to fit your personal financial needs.

Apply today:

  • Personal / Confidential Loans
  • Automobile or Truck Loans
  • Real Estate / Home Equity Loans
  • Consolidation Loans

At Southern Finance, our focus is on you, our valued customer. We are committed to helping people. Your financial success is our success. Life is stressful enough without unnecessary financial hassles. We work hard to take the hassle out of the loan process. Apply today and let the team at Southern Finance work for you!

Apply Now


Personal/Confidential Loans $100-$1500 are ideal for assisting in small purchases, unexpected expenses, establishing credit, or re-establishing credit. Cash for almost any purpose is available with quick same-day service. We can approve you with a secured personal property loan; or, for a credit-qualified applicant, an unsecured loan. Our personal loans are affordable with low monthly payments. Your loan and personal information is always confidential at Southern Finance.

Automobile Loans $500 to $3,500 are ideal for a variety of customers. We finance up to $2500 or more for qualifying customers with approved credit. With this loan, our customers have the flexibility to either purchase a car or use their car title for extra money to pay for emergencies, vacation, or debt consolidation. Simply use your title to put extra cash into your pockets.

Real-Estate/Home Equity Loans $3,000 to $50,000 or more (No upfront closing cost). We specialize in making real-estate loans at Southern Finance. Loans from $3,000 to $50,000 are our specialty, but we also make real estate loans of more than $50,000. At Southern Finance, we understand the importance of family and the well being of our customers. With a real-estate loan, the money can be used for whatever you want. Pay off bills or high-interest rate credit cards, make home improvements, take a vacation, or make major purchases.

Why apply for a Home Equity/Real Estate loan with Southern Finance?

  1. We accept homes, mobile homes, and unimproved land as collateral.
  2. Southern Finance is locally owned and we keep and service your loan in our own offices.
  3. Since we keep your loan, we can usually accept residential property as collateral that the banks won't and in most situations, your loan will be approved in one day.
  4. No up-front appraisal fee or application fee is required.
  5. We have an experienced local staff dedicated to helping you obtain your loan. They know this area and will handle your application, appraisal, and approval.

Consolidation Loans allow you to combine all of your bills and monthly payments into a single convenient loan with a lower monthly payment. By using the equity in your home or other collateral (autos, boats, recreational vehicles), you can pay off high-interest credit cards, personal loans or other bills. You may also be eligible to receive extra cash in addition to the amount you need to pay off your other bills. With a debt consolidation loan from Southern Finance, customers are able to substantially reduce their monthly payments and increase the cash they have to spend for other things.

Apply Now