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 $250 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 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 +6.00% (currently 13.50% APR) to Prime + 11% (currently 18.50% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time (or 18% in Georgia). Information accurate as of 04/01/25.
Subject to change without notice. No prepayment penalty. Ask your banker for complete details. This offer may be withdrawn at any time.