Loan Finder
Let's find the program that fits your financing needs.
Your Goals. Your Loan. Your Way.
Choose a personal or business loan and get started today.
What are you looking to do?
Do you own your own home?
Do you want to borrow more than $5,000?
WE RECOMMEND...
Boat Loan
Features and benefits:
- Financing for new and used boats, trailers and motors
- Lower loan rates than unsecured installment loans
- Quick, hassle-free application process
- Free automatic payment deduction from your checking account
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of the boat
- Your employment information
- Your income
Important Information
All loans subject to approval. See complete boat loan details.
Car Loan
Features and benefits:- Financing for new and used vehicles
- Lower loan rates than unsecured installment loans
- Quick, hassle-free application process
- Free automatic payment deduction from your checking account
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of your vehicle
- Your employment information
- Your income
Land Loan
Features and benefits:
- Financing for vacant, unimproved land intended for residential use
- Competitive, variable rates and flexible terms
- Secure, easy application process
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of the property (Find this using the Zestimate tool at Zillow.com)
- Your employment information
- Your income
RV Loan
Features and benefits:
- Financing for new and used recreational vehicles
- Lower loan rates than unsecured installment loans
- Quick, hassle-free application process
- Free automatic payment deduction from your checking account
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of the vehicle
- Your employment information
- Your income
Motorcycle Loan
Features and benefits:
- Competitive, fixed rate, simple interest
- Lower rates than unsecured installment loans
- Quick, hassle-free application process
- Free automatic payment deduction from your checking account
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of the motorcycle
- Your employment information
- Your income
Mortgage Loans
Features and benefits:
- Financing options including FHA, VA, conventional, jumbo and portfolio products
- Purchase, Refinance and Construction
- Hassle-free application process
Home Equity LINE OF CREDIT
Features and benefits:
- Access cash—up to your full available credit limit—whenever you like
- Six-month Introductory APR of just Prime - 1 currently 6.00%, thereafter as low as 7.50%* APR
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Bank pays customary closing costs on lines up to $200,000*
- Easy approval up to 100% Loan-to-Value available*
- Interest-only payment
- Easy online application process
- Overdraft protection option for any Capital City Bank checking account^
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Estimated value of your home (Refer to your local property appraiser or tax assessor)
- Your employment information
- Your income
Important Information
*All loans subject to credit and property approval. The introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime + 0.5% (currently 7.5% APR) to Prime + 6.5% (currently 13.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time. Information accurate as of 09/22/26. After the promotional period, the variable standard APR will be based on the borrower’s line amount, combined loan-to-value ratio, and credit rating. Hazard insurance required and flood insurance, if applicable. Bank will pay customary closing costs on lines up to $200,000, which may include flood determination fee, credit reporting fees, title search fees, recording fees, tax service fee, and documentary stamp and intangible tax fees. If required, borrower pays appraisal and survey related charges. An annual fee of $50 is charged on the first-year anniversary after closing and each year thereafter. A prepayment penalty of 2% of the original credit line amount, not to exceed $1,500, will be assessed if the credit line is closed within three (3) years of the origination date. The borrower may pay the credit line down to zero without closing the line of credit or without incurring a prepayment penalty. Consult a tax advisor about possible tax benefits. Minimum line of $10,000 required and maximum line amount not to exceed $500,000. Exclusions, limitations and funding requirements apply. Additional Limitations and conditions apply for existing HELOC clients. Refer to product disclosure or ask a banker for complete details. Offer available for limited time. ^Overdraft protection subject to transaction fees.
*All loans subject to credit and property approval. The introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime + 0.5% (currently 7.5% APR) to Prime + 6.5% (currently 13.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time. Information accurate as of 09/22/26. After the promotional period, the variable standard APR will be based on the borrower’s line amount, combined loan-to-value ratio, and credit rating. Hazard insurance required and flood insurance, if applicable. Bank will pay customary closing costs on lines up to $200,000, which may include flood determination fee, credit reporting fees, title search fees, recording fees, tax service fee, and documentary stamp and intangible tax fees. If required, borrower pays appraisal and survey related charges. An annual fee of $50 is charged on the first-year anniversary after closing and each year thereafter. A prepayment penalty of 2% of the original credit line amount, not to exceed $1,500, will be assessed if the credit line is closed within three (3) years of the origination date. The borrower may pay the credit line down to zero without closing the line of credit or without incurring a prepayment penalty. Consult a tax advisor about possible tax benefits. Minimum line of $10,000 required and maximum line amount not to exceed $500,000. Exclusions, limitations and funding requirements apply. Additional Limitations and conditions apply for existing HELOC clients. Refer to product disclosure or ask a banker for complete details. Offer available for limited time. ^Overdraft protection subject to transaction fees.
All loans subject to approval. See complete home equity loan details.
Unsecured Loan
Features and benefits:
- No collateral required for creditworthy applicants
- Hassle-free application process
- Quick funding
- Fixed rate
- Free automatic payment deduction from your checking account
- Loan amounts from $5,000
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Your employment information
- Your income
Line of Credit
Features and benefits:
- No collateral required to secure financing
- One-time fee of $200 to open the account, then a 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
What you’ll need to apply:
- Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
- Your mortgage or rent payment
- Your employment information
- Your income
Important Information
All loans subject to approval. ^Overdraft protection subject to transaction fees. See complete product details.