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Let us help you find the right personal lending solution.

Our approach to personal lending is a little different here at C&F Bank because we take the time to first understand your unique preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your personal banker will do more than process a loan for you – together, we will develop a detailed plan for your personal finances. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.

CALL or EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

The safety of your information security is important to us and we want you to know that while we may contact you regarding your account for suspicious activities, we will never ask you to provide your login credentials over the phone or via e-mail. Learn more

All our personal lending solutions come packed with these standard features:

  • Competitive interest rates and terms

  • A variety of financing options to choose from and all are subject to credit approval

  • Streamlined application process

  • All loans are subject to credit approval

  • Convenient loan management through Online and Mobile Banking

  • Home Mortgage Loan

    C&F delivers competitive, hassle-free financing when it’s time to purchase or refinance one of your biggest assets—your home.

  • Construction Loan

    If you are planning to build a home the C&F team can help you navigate the entire process.

  • Lot Loan

    C&F can help you finance the land where you plan to build your new home.

  • Home Equity Line of Credit

    Borrow cash at your convenience for home improvement projects or other major expenses, using the equity in your home.

  • Home Equity Loan

    Let your home equity secure the fixed loan amount you need for debt consolidation or a large expense, then pay it off in manageable installments.

  • Easy Access Line of Credit

    Protect your personal checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don't line up perfectly.

  • Auto Loan

    This easy, affordable option will fund the purchase of your new or used vehicle, boat or motorcycle—or save you money by refinancing it!

  • Personal Loan

    Sometimes you just don’t have the funds up front for a major expenditure. Count on us to tailor a loan that will help you meet your goals.

  • Personal Equipment Loan

    This is a unique financing option available to help fund the purchase of personal-use equipment.

  • Consumer Credit Cards

    Make on-the-go purchases with freedom and confidence, while earning great rewards.

  • Savings/CD Secured Loan

    Secured by a Savings or CD account with C&F Bank, this loan product can help provide funds for a variety of different needs.

 

Make a payment anytime, anywhere!

You can now pay your C&F loan online.

Make a loan payment

  

Home Mortgage Loan

C&F delivers competitive, hassle-free financing when it’s time to purchase or refinance one of your biggest assets—your home.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • A continuous relationship with C&F Bank
  • Several mortgage programs available to fit your financing needs, including fixed-rate options
  • No escrow requirements, unless in a flood zone
  • Availability of bridge, residential lot and construction loans

Contact us to learn more.

Construction Loan

If you are planning to build a home the C&F team can help you navigate the entire process.

Looking to build your dream home?

  • Up to 90% project financing available
  • Primary residence or second home
  • Competitive interest rates and fees
  • Purchase your lot at closing or use existing lot as equity
  • Interest-only payments due during construction
  • C&F offers a team of dedicated construction specialists
  • Once construction is complete, our C&F Mortgage partners will assist with low cost permanent mortgage options

Contact us to learn more. Open our Client Construction Information Guide

Watch our video!

Lot Loan

C&F can help you finance the land where you plan to build your new home.

Looking to build a home now or in the future?

  • Flexible payment plans
  • Up to 70% financing available for purchase
  • Purchase your own lot now with terms to match your plans to build
  • Proof of water/sewer availability or land perk test

Contact us to learn more.

Home Equity Line of Credit

Borrow cash at your convenience for home improvement projects or other major expenses, using the equity in your home.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Revolving line of credit
  • Flexible, convenient payment options
  • Funds accessible online or by check
  • Possible tax deduction on interest (consult with your tax advisor

Contact us to learn more. Apply for a Principal & Interest Home Equity Line of Credit Apply for an Interest-Only Home Equity Line of Credit

Home Equity Loan

Let your home equity secure the fixed loan amount you need for debt consolidation or a large expense, then pay it off in manageable installments.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Closing costs paid by the Bank (certain restrictions apply)
  • Funds available for a variety of purposes
  • Fixed interest rate and monthly payment
  • Flexible terms to suit your needs
  • Possible tax deduction on interest (consult with your tax advisor)

Contact us to learn more.

Easy Access Line of Credit

Protect your personal checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don't line up perfectly.

What is included in addition to the standard services?

  • Lines of credit ranging from $1,000 to $5,000
  • Fixed rate
  • Ability to access, repay and access again without reapplying
  • Monthly payments debited from your C&F personal checking account

Contact us to learn more. Apply now

Auto Loan

This easy, affordable option will fund the purchase of your new or used vehicle, boat or motorcycle—or save you money by refinancing it!

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Fixed installment payment
  • Various terms are available

Contact us to learn more. Apply for an Auto Loan Apply for a Boat/Recreational Vehicle Loan

Personal Loan

Sometimes you just don’t have the funds up front for a major expenditure. Count on us to tailor a loan that will help you meet your goals.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Funds available for a variety of purposes
  • Flexible repayment terms
  • Unsecured options available

Contact us to learn more. Apply now

Personal Equipment Loan

Personal Equipment Loans are a specialized financing option designed to assist with the purchase of equipment for personal use.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Funds available to help purchase personal equipment
  • Various terms available with fixed installment payments

Contact us to learn more. Apply now

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Learn more Apply now

Savings/CD Secured Loan

Secured by a Savings or CD account with C&F Bank, this loan product can help provide funds for a variety of different needs.

What is included in additional to the standard services?

  • Local decision-making and expedited loan processing
  • Funds available for a variety of purposes
  • Flexible repayment terms

Learn more Apply now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

 

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