PERSONAL

Lending Services

For over 125 years, Bank of Clarke County’s loan department has been turning dreams into realities. Whether it’s financing a car or adding an addition to your existing home, we offer a variety of lending solutions to fit your needs and your budget. Our lending options feature competitive rates enhanced by personalized service. Let our friendly, knowledgeable neighborhood loan professionals find the perfect, customized loan or line of credit that’s right for you.

We offer the following personal loan products:

Auto & Personal Loans
We offer short-term loans with competitive rates for the things you need—a dream vacation, a new car, or home improvements—you name it. Contact our loan department for rates and other information.

You can apply online by using one of the two methods below:

1. Download the PDF Form and Print  (PDF/33KB)
2. Online Loan Application Form

Mortgages
Young couples, growing families, and empty-nesters have something in common: the need to finance the perfect home. Whether you're a first-time buyer or relocating for a job, buying a home can be complicated. We simplifiy home financing and refinancing by combining a variety of mortgage loan options with superior customer service and informative online mortgage tools.

You can get started now by visiting our Online Mortgage Center.

If you have any questions or need more information, please contact a member of our lending team.

Home Equity Loans
Let the equity in your home work for you. Home Equity Loans are great ways to pay off high-interest credit cards, consolidate debt, improve the look of your home, or plan your daughter’s dream wedding. We offer no closing costs on Home Equity Lines of Credit if closed at the same time as 1st residential mortgage. You can also avoid closing costs by opening a Home Equity Line of Credit and leaving it open for a minimum of 3 years.

Personal Line of Credit
Personal Lines of Credit provide you with the cash you need for big purchases at rates competitive with most credit cards. As you need the funds, simply contact one of our loan representatives and they can transfer cash directly to your checking account. There are no application fees and no monthly payments until you use your credit line. We offer both secured and unsecured lines of credit.

Construction Loans
We offer construction loans to give you the flexibility you need during the home building process. Closing on this loan happens before construction begins, but interest does not accrue until the draw begins, usually over a period of time. After the construction of your home is complete, this loan can be converted to a standard mortgage. This one step application/closing process can save you both time and money. Construction loans are available in both fixed and adjustable rates over a range of terms.