Personal and Vehicle Loans

Personal and Vehicle Loans

We believe deeply in local decision making and personalized service. You'll find friendly, experienced associates at every one of our locations. We're ready to guide you with your borrowing decisions and provide options to finance your needs. But if you already know what kind of loan you'd like, you can start the application process right here, right now.

A personal loan is an age-old means of obtaining financing for a specific project at a specific moment in your life.

This financing product is suited for you if:

  • You need to finance a specific project and don't plan to need any additional funds.
  • You need funds for a specific project at a specific time.

This financing product is not suited for you if:

  • You would rather have access to additional funds at any time without having to apply for financing every time. If that's the case, you should consider a Line of Credit.

We offer two types of personal loans:

A secured personal loan has an object or asset that serves as collateral. So whether you need to pay down debts, make home improvements or finance a car, boat or motorcycle, the loan is secured by the value of your asset. You can use any of the following as collateral:

  • Airplane
  • Boat
  • Deposits (CD, checking, savings or money market accounts)
  • Marketable securities (bonds, brokerage account, mutual funds, stock)
  • Motorcycle
  • Recreational vehicle (RV, four wheeler)
  • Vehicle (new or used)
  • Documented vessel



An unsecured personal loan has no collateral (and typically has a higher interest rate). You can use the funds to consolidate debt, pay for educational costs or fulfill a short-term need for cash.




If a personal loan is the right solution for you, apply using the appropriate link above or stop by one of our offices for an application. We'll process your application locally and let you know quickly if the loan is approved. We accept online applications from residents of Tennessee, North Carolina, South Carolina and Virginia.