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.
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
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?
- 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
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
- Purchase your own lot now with terms to match your plans to build
- Proof of water/sewer availability or land perk test will be required
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
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)
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 Loans
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
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
Personal Equipment Loan
C&F Bank’s Personal Equipment Loans are a unique financing option available to help fund the purchase of personal-use equipment.
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
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!
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
*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.