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 3.25%) not to exceed 18% (16% in Georgia) at any time. Information accurate as of 03/10/2015. 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 This offer may be withdrawn at any time.
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