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Consumer Lending

Capital Bank offers a variety of consumer loans, both secured and unsecured. If you're looking for extra cash for a vacation, education, home improvement or to pay-off higher interest rate accounts, call one of our loan officers today at (713) 675-2341. To see all of our available personal services, click here.

 

Personal Installment Loan
  • Available either secured or unsecured
  • Loan approval generally within one business day
  • Competitive interest rates
  • Convenient payment options
  • Interest rate reduction if your loan is auto-debited from a Capital Bank account
  • Credit Life and Accidental/Health Insurance available
  • No pre-payment penalties
Automobile, Truck, Boat and Recreational Vehicle Loan
  • Loan approval generally within one business day
  • Various repayment terms available depending on loan type
  • Competitive interest rates
  • Convenient payment options
  • Interest rate reduction if your loan is auto-debited from a Capital Bank account
  • Credit Life and Accidental/Health Insurance available
  • No pre-payment penalties
Home Equity Loan
  • Borrow up to 80% of the appraised market value of your home, less any outstanding mortgages
  • Terms from 5 to 15 years
  • Competitive interest rates
  • You control the use of the loan proceeds (vacation, car, education, etc)
  • Competitive fixed interest rates
  • Interest rate reduction if your loan is auto-debited from a Capital Bank account

 

Home Equity Line of Credit (HELOC)
  • Borrow up to 80% of the appraised market value of your home, less any outstanding mortgages
  • Revolving line of credit available for use anytime
  • One-time application process. No additional approval needs to access the line of credit.
  • Variable interest rate and subject to daily change, rate is based on Wall Street Journal Prime Rate
  • A descriptive monthly statement is sent reflecting principal and interest billing
  • Interest rate reduction if your loan is auto-debited from a Capital Bank account

 

Home Improvement Loan
  • Borrow against the equity in your home
  • Loans available for any home improvement (pool, remodel, additions, landscaping, etc)
  • You may increase the value of your home with a home improvement loan
  • Competitive interest rates
  • Terms from 1 to 15 years
  • Interest rate reduction if your loan is auto-debited from a Capital Bank account
Mortgage Loan
  • Permanent and construction loans available
  • Easy application process
  • Flexible down payment options: 0% and up
  • Competitive interest rates
  • Fixed or Adjustable Rate Mortgages available
  • 100% financing

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements.

Equal Housing Lender

 
 
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