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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.

COVID-19 Financial Assistance Measures for Consumer Loan Clients

  • To request a payment deferral on your consumer loan (excluding mortgages and home equity lines), please visit us here or call your Relationship Manager.
  • For information on our mortgage and home equity payment deferral options, visit our COVID-19 Updates page.
  • To request a payment deferral on your business loan, please visit us here or call your Relationship Manager.
  • Learn more about the SBA Paycheck Protection Program and SBA Economic Injury Disaster Loan Program here.
  • For more information on our bank operational resiliency plan, online and mobile banking, and financial assistance measures for consumer and business customers, visit our COVID-19 Updates page.

 

 

 

 

 

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
  • MoneyNow and Credit Builder – designed for those with limited credit, immediate credit needs or facing credit challenges

 

How Much Loan Can You Afford?

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

 

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Personal Loan Calculator

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Home Equity Loan Calculator

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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.

 

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