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Forgot Your ID or Password

If you have forgotten your Capital City Bank Online User ID:

Please contact the Client Service Center Monday through Friday, 8:00 a.m. – 6:00 p.m. ET at 888.671.0400.

If you have forgotten your Capital City Bank Online Password:

Please click here to enter your Capital City Bank Online User ID and follow the prompts to reset your password.

Consumer Line of Credit

Personal Loans for Personal Needs

Personal financing can be essential to daily life, so Capital City Bank offers a consumer line of credit to manage any expense that comes your way. Our consumer line of credit is an unsecured, revolving line of credit for amounts from $1,000 to $5,000*. All you need to qualify is a good credit score, steady employment and a stable income.

If you need additional information or have questions, please call one of the friendly, knowledgeable bankers at Capital City Bank. Personalized assistance is available by calling 888.671.0400 Monday – Friday from 8 a.m. to 6 p.m. EST, Saturday from 9 a.m. to noon EST.

Product Features

  • No collateral required to secure financing
  • Low annual fee
  • Quick, hassle-free application process
  • Decisions made in less than an hour on most applications
  • Choose optimum borrowing period
  • No prepayment penalty
  • Optional overdraft protection when linked to Capital City Bank deposit account
  • Free automatic payment deduction from your checking account

Payment Protection

*Subject to credit approval. Requires a Capital City Bank deposit account. All balances will accrue interest at the variable standard Annual Percentage Rate, which can range from Prime + 6% to Prime + 12% using the JP Morgan Chase Prime (JPMCP) rate (currently 3.50%) not to exceed 18% (16% in Georgia) at any time. Information accurate as of 03/16/2016. Subject to change without notice. No prepayment penalty. Minimum line of $1,000 required. Ask your banker for complete details. This offer may be withdrawn at any time.
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