Skip to main content

Personal Loans and Lines of Credit

When you need help with large expenses, a personal loan or line of credit can help. Let Cadence Bank help you find the right solution.

Financial Assistance Measures During COVID-19: Contact your Cadence Banker for consumer loan deferral requests. Learn about other ways we’re helping clients amid the pandemic here.



Personal Loans Overview

Personal loans and lines of credit are great ways to fund major expenses, cover immediate or emergency expenses, consolidate debt, and better manage personal cash flow. When you take out a personal loan or line of credit, you’ll have access to a ready source of funds at a competitive interest rate.


A personal loan lets you borrow for a specified period of time, receiving a one-time lump sum that’s paid down through fixed monthly payments with a fixed rate and fixed term.


A personal line of credit is a borrowing limit that you can tap. The funds are available up to a pre-assigned credit limit, and you can reuse this money as you repay it. Your monthly payment will be based on how much money you have outstanding, and you only pay interest on the amount of money that you actually borrow.


Personal Loan and Line of Credit Options

Cadence Bank offers a variety of secured and unsecured loans to fit your borrowing needs. Secured loans require collateral such as a home, car, or Cadence Bank CD or savings account.


  • Home Equity Loan
  • Auto Loan
  • CD & Savings Secured Loan
  • Consumer Real Estate Loan
  • RV, Boat and Motor Home Loan
  • Credit Builder – designed for those with limited credit or facing credit challenges


How Much Loan Can You Afford?

Use our helpful calculators to help determine the loan amount you can afford.



Personal Loan Calculator


Home Equity Loan Calculator


Auto Loan Calculator




Apply for a Personal Loan

Connect with one of our expert, relationship-focused bankers to learn more about Cadence Bank’s personal loans or lines of credit and how they can help you meet life’s expenses.


Contact us




All loans and lines of credit are subject to normal credit approval and underwriting processes.


Questions? We are here for you...

To ensure your safety, please do not include sensitive information in your submission.