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Personal Loans

Borrow better for the planned and unexpected

Break big expenses into manageable payments

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Rates as low as

4.50% APR*

Use funds to cover unexpected expenses

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Restructure high-interest debt

Borrow better with fixed payments

Planned and unplanned situations can put pressure on your available funds. A low interest personal loan option puts a lump-sum payment in your Civic deposit account for immediate use.

Approval times are fast and efficient, helping you pay for a major expense and move forward. A personal loan can help you stay on track and break down a large expense into smaller, more manageable and scheduled payments.

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Low rates and low fees

  • No origination or application fees
  • Maximum loan amount is $30,000*
  • Fixed principal and interest payments
  • Term lengths from 12 months to 60 months.
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Choose to borrow better

  • Life and disability insurance options are available
  • No penalty for early payoff
  • Secured loan options are available
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Manage large expenses with smaller payments

  • Funds are distributed as a lump sum
  • Send funds to your Bonus Checking Account, Select Savings Account or Money Market Account
  • Break large expenses into manageable payments
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Need help? Try our Credit Card Worksheet.

*The Personal Loan Calculator is provided for informational purposes only. All loans are subject to approval. Final finance amount may be different.

Let's really get personal!

Flexible and dependable, personal loans can be used to cover almost any expense. Use the calculator to preview what your new payment could be. 

Thinking of consolidating other high-interest debt? Provide us with balance information and get a personalized estimate of your new consolidated monthly payment. 

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Credit Card

Include all your outstanding credit cards and lines of credit 

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Installment Loans

Common examples include vehicles, personal loans, and student loans


Loan Term

Enter your desired number of monthly payments 

You can win a 2021 Tesla Model 3

Borrow better and win a Tesla. Our Personal Loans were designed to help you reach your goals. And now you can reach them even faster in a brand-new Tesla. When you apply and are approved for a Personal Loan for at least $5,000, you’ll be entered to win a 2021 Tesla! It’s that simple.

learn more

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Not sure how much or how often you'll need cash? A Personal Line of Credit gives you the flexibility you need.

Personal Line of Credit

Planned or unplanned, you've got options.

  • Loans up to $30,000
  • Use as overdraft protection
  • No pre-payment penalties
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Get maximum flexibility with your personal loan by sending funds to your Bonus Checking Account.

Bonus Checking

We pay up when you purchase

  • 1% dividends
  • No monthly fees
  • Fee-free use of any ATM nationwide
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You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:

Yes. All of the funds must be distributed from the loan at once. If you want more flexibility on when you take distributions from your loan, we suggest a personal line of credit.

Civic members can use the funds currently on deposit as collateral for a loan. These funds should be free of any holds and must be located in a Select Savings or Choice Certificate account.

Personal loan funds are flexible in that they are to handle personal matters. Use the funds to cover whatever needs match your particular situation.

Approved borrowers can schedule their first payment up to 45 days out. During your application, a loan officer will discuss all repayment schedule options available to you.


* APR = Annual Percentage Rate. Subject to approval. Rates and credit limit are evaluated based on member's credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. As low as rate indicates .50% APR discount for using auto debit from a Civic deposit account. Maximum APR is 18.00% and maximum term is 60 months. Personal loan payment example: for a $10,000 loan at 4.50% APR; 60 monthly payments of approximately $186.

No purchase necessary to enter to win. Click here to see the official rules and complete details.