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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 a $5,000 unsecured, revolving line of credit. All you need to qualify is a good credit score, steady employment and a stable income.

Product Features
- 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

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Disclosure: *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 + 11% using the JP Morgan Chase Prime (JPMCP) rate (currently an APR of 5.5%) not to exceed 18% (16% in Georgia) at any time. Information accurate as of 1/15/2019. Subject to change without notice. No prepayment penalty. Ask your banker for complete details. This offer may be withdrawn at any time.

Payment Protection

Accidents, illness, death, disability – all of these can wreak havoc on your financial situation. Take the worry out of your financial forecast with our Payment Protection program. Payment protection does exactly that – it protects your financial assets-and your credit scores – with a complete payoff of your loan should the unexpected occur. It‘s inexpensive and it can be conveniently included in your monthly payment. Contact a banker to enroll.