Welcome To First National Bank

photo-homeThank you for visiting the First National Bank of Friend online Banking Website. We hope you have found our on-line banking service informative and user friendly. For over 125 years First National Bank of Friend has strived to offer traditional home town banking, while at the same time providing our customers with the latest in technological conveniences. Rated as one the safest banks in the country, we are constantly striving to provide our customers the same friendly, hometown service they are used to receiving in person, but in a more convenient “at home” on-line banking option.

Once again, thanks for becoming one of our “on-line customers” and we look forward to providing better and easier ways for you to remain a “friend for life”.

Why People Get A Loan

We all know that not all people have high paying jobs. Some people’s income is just good enough for what they need and sometimes don’t have an extra for what they want. That is why others are getting a part time job or small business in order to gain extra income.

While some people are busy doubling their time to gain extra money, some apply for a loan to get that big amount of money they need to buy something they have planned for. Money loaned can be use for different purposes and each person has a different reason for applying or getting a loan. The most common reason why people get a loan is for the following:

  1. Buy a house or for home improvement projectsbuying a house

Buying a house cost a lot of money that is why most people apply for a loan to own one. As for home improvement projects, money spent will depend on how big and what kind of improvement will be done.

  1. Medical Expenses

If you or one of your family member suddenly got into an accident or needed immediate medical care that cost too much for you then a loan can really help you out. A person’s health is sometimes unpredictable especially if it is not well taken care of.

  1. Buying a car

Buying a car can sometimes be a need or just for luxury. Whether you are buying a brand new one or a used car, it can cost you money or your savings might not be enough. Car loans are common on most banks and lenders nowadays.

  1. Paying your bills

Some people choose to put their bills all together and pay them one time using the money they have loaned. People think this is a good idea since you just have to pay for the loan instead of paying several items.

  1. Taking a vacation

Some people take a loan just to go on a vacation or a getaway. This may not be a need for others but for a few, it serves as some kind of reward or escape from all the stresses at work or at home. Spending your free time somewhere nice and peaceful can make your money worth it.

Whatever reasons you may have to get a loan, it doesn’t matter as long as you spend it wisely. Money doesn’t grow on trees and we have to work hard to earn it. If ever you get your loan approved, be sure to pay it off quickly. Completing a loan without any problems can help you get a good credit standing that can help you in applying for loans again in the future.

Tips On Settling And Paying Off Student Loans Faster

Do you have a good paying job now but still have a student loan left to pay? How much do you still need to pay for your loan? This is a common situation for most young people. They have already graduated from college, got a good paying job but still paying for their student loans.

Some people have managed to pay off their student loans by following helpful tips shared by experts. Each person has a different strategy on how to finish their loans quickly. Some double their jobs while some find extra ways on how to gain extra income. For tips on how to finish off student loan faster, read from here:

The Ultimate Guide to Paying Off Student Loans Faster

One thing we can all agree on: Paying off student loan debt isn’t fun.

One of the worst feelings is tearing open your paycheck or seeing your direct deposit hit your bank account, only to remember that you need to use a huge chunk of that money to pay your student loan debt.

With student loan debt, it might seem like this feeling could last forever — but it doesn’t have to. If you want your debt to go away faster, you’re going to have to upgrade your student loan repayment strategy.

Fortunately, you have lots of great options for paying off student loans faster, including:

  • Making more than the minimum payment
  • Consolidating or refinancing your student loans
  • Making a lump-sum payment when you come into extra cash
  • Taking a job that makes you eligible for loan forgiveness
  • Using any raises you earn to increase your student loan payments


Some student loans further increase because of delayed payment. Interests and penalties may be added. Others even ignore paying off their student loans. You can find out more about settling private student loans from this site.

Paying your student loan in time and paying more of what is due can help in finishing it off faster. Be a responsible person. For you will get a good credit score for it and it can help you get more loans in the future.

paying off student loans