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Consumer Lines and Loans*

Personal Financing for Everyday Needs

Financing for personal needs – a new kitchen appliance, a memorable family vacation or an unexpected car repair – is quick and convenient with consumer credit lines and loans from Capital City Bank. Put your good credit score, steady employment and stable income to work when you need cash fast.

Consumer Line of Credit  is an unsecured, revolving line of credit for amounts from $1,000 to $5,000 that allows funds to be borrowed, repaid and borrowed again for on-going personal needs.

Consumer Installment Loan is another option for personal financing when you need a one-time, lump sum loan.


> Consumer Line of Credit

Flexible and hassle-free, a Consumer Line of Credit offers a ready reserve of cash when you need it to handle personal financial needs and offers the option of linking to a Capital City Bank checking account for overdraft protection*.

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*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 This offer may be withdrawn at any time.
> Consumer Installment Loan

When you have a one-time expenditure that requires immediate funds, consider a Consumer Installment Loan*. Installment loans often have fixed payments and fixed interest rates, and all funds are received at closing.

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*Subject to Credit Approval.


Payment Protection

*All consumer credit lines and loans subject to Credit Approval.
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