Consumer credit

Personal Lines of Credit

Personal loans for personal needs

Personal financing can be essential to daily life, so Capital City Bank offers a personal 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 exclusively for Capital City Bank clients. All you need to qualify is a good credit score, steady employment and a stable income.

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
senior years

Payment Protection 

Unexpected emergencies, like accidents, illness, death or disability can wreak havoc on your financial situation. Take the worry out of your financial forecast with our Payment Protection program.

Important Information
All loans subject to credit approval. ^Overdraft protection subject to transaction fees. See individual product descriptions for additional disclosures.
Requires a Capital City Bank deposit account.

All balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime + 6.5% (currently 15.50% APR) to Prime + 11% (currently 19.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time (or 16% in Georgia). Information accurate as of 01/26/24. 
Subject to change without notice. No prepayment penalty. Ask your banker for complete details. This offer may be withdrawn at any time.