Fast. Simple. Secure. Apply for a Loan Today.
Whether you need a personal loan, want to finance your auto loan, are considering a debt consolidation loan, exploring a home equity loan or line of credit, or growing your business with a business term loan, our online application makes it easy.
Auto Loan
Boat Loan
Home Equity Loan
Motorcycle Loan
Personal Installment Loan
Personal Line of Credit
Recreational Vehicle
Start Personal Loan Application
The Benefits of Applying Online:
- Apply in minutes – most loan applications take less than five minutes
- Apply anywhere – phone, tablet, or computer
- Bank-level security – encryption and multi-layer safeguards keep your data safe
- Save your progress and return later at your convenience
Tip: Not sure what loan is right for you? Try our Loan Finder tool to help you decide which loan fits your needs best.
What You’ll Need to Apply:
Applying online is quick and simple. It’s even easier if you have these details ready:
- Government-issued photo ID (driver’s license, state ID, or passport)
- Social Security number (or Tax ID for business applications)
- Income and employment information (pay stubs, employer name, or business financials)
- Address and contact details (home or business address, phone, email)
- Financial details (monthly housing costs, existing loan balances, or assets)
Tip: Use the license upload option in the application. Taking a photo of your driver’s license can auto-fill key details, saving time and reducing errors.
Common Questions
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How long does it take to apply?
Most applications can be completed in under 5 minutes.
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What kinds of loans can I apply for?
From personal loans to home equity to business term loans, our online application covers a wide range of borrowing needs.
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What if I don’t finish my application?
You can save your progress and return later to complete your application. Once you begin the application process, you will receive an email that includes a link to a loan portal with instructions on how you can complete the application at your convenience.
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Will applying affect my credit score?
Applying will result in a credit inquiry that may impact your credit score.
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Is my loan application secure?
Yes. We protect your application data with bank-level encryption and multi-layer safeguards.
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Can I still talk to my banker?
Absolutely, our bankers are here to guide you at any step in the application process. You can reach out to a banker at your local office or call our Client Service Center at 888.671.0400.
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When will I hear back?
You’ll receive an email confirming we received your application. If necessary, a banker will follow up quickly with next steps.
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Can I apply from my phone?
Yes, you can apply from your phone, tablet or computer.
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Agricultural Loan
Cash Secured Loan
Commercial and Industrial (C&I)
Commercial Real Estate+
Construction Loan
Equipment Loan
Hotel/Motel
Real Estate Loan
Unsecured Loan
Vehicle Loan
Start business loan application
The Benefits of Applying Online
Applying online is quick and simple. It’s even easier if you have these details ready:
- Apply in minutes — most loan applications take less than five minutes
- Apply anywhere — phone, tablet, or computer
- Bank-level security — encryption and multi-layer safeguards keep your data safe
- Save your progress and return later at your convenience
Tip: Not sure what loan is right for you? Try our Loan Finder tool to help you decide which loan fits your needs best.
What You’ll Need to Apply
Applying online is quick and simple. It’s even easier if you have these details ready:
- Government-issued photo ID (driver’s license, state ID, or passport)
- Social Security number (or Tax ID for business applications)
- Income and employment information (pay stubs, employer name, or business financials)
- Address and contact details (home or business address, phone, email)
- Financial details (monthly housing costs, existing loan balances, or assets)
Tip: Use the license upload option in the application. Taking a photo of your driver’s license can auto-fill key details, saving time and reducing errors.
Common Questions
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How long does it take to apply?
Most applications can be completed in under 5 minutes.
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What kinds of loans can I apply for?
From personal loans to home equity to business term loans, our online application covers a wide range of borrowing needs.
Expand/Close Accordion 38
What if I don’t finish my application?
You can save your progress and return later to complete your application. Once you begin the application process, you will receive an email that includes a link to a loan portal with instructions on how you can complete the application at your convenience.
Expand/Close Accordion 39
Will applying affect my credit score?
Applying will result in a credit inquiry that may impact your credit score.
Expand/Close Accordion 40
Is my loan application secure?
Yes. We protect your application data with bank-level encryption and multi-layer safeguards.
Expand/Close Accordion 41
Can I still talk to my banker?
Absolutely, our bankers are here to guide you at any step in the application process. You can reach out to a banker at your local office or call our Client Service Center at 888.671.0400.
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When will I hear back?
You’ll receive an email confirming we received your application. If necessary, a banker will follow up quickly with next steps.
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Can I apply from my phone?
Yes, you can apply from your phone, tablet or computer.
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Do I have to be an existing client?
No. You can apply whether you already bank with us or are new to Capital City Bank.
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Prefer to Talk It Through?
Our bankers can help. Call us at 888.671.0400.
Tip: Need a banker nearby? Find your local Capital City Bank office and connect with a banker directly by phone or email from their office page.
Your Goals. Your Loan. Your Way.
Choose a personal or business loan and get started today.
Important Information:
+Commercial real estate loans may require additional steps or documentation beyond the online application.
All loans subject to credit approval, and may be subject to property approval, when applicable.