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Need a little more jolly for the holidays?

You might be pre-approved for a Christmas Loan!

New this year!

Online applications now available for preapproved customers! Simply log in to your web banking from your desktop computer (not currently available on mobile) and click on the Loans tab to see if you are pre-approved.

Not preapproved? Call your local Southern Bancorp lender in Arkansas or Mississippi to apply or learn more.

Christmas loans are $500 unsecured loans subject to eligibility and approval. Online access via desktop computer only.

How it Works:

Log in to Online Banking from your Desktop or Laptop Computer

Go to and sign in to your account. This will NOT work on the mobile app or smartphones.

Click on the "Loans" Tab at the Top of the Page

Then click “Get a Pre-Approved Loan” to see if you’re pre-approved and follow the directions.

Not Pre-approved? You can still apply!

Call your local branch or our toll free number (800) 789-3428 for more information.