Loans for every chapter
Three lending programs, one standard: clear terms, honest rates, and a human being who answers.
Personal loans
Fixed-rate loans from $2,500 to $50,000 for consolidating debt, covering surprises, or funding something that matters.
- Fixed rate from 7.9% APR, terms 12–60 months
- Same-day decisions, funding as fast as 24 hours
Business loans
Term loans and lines of credit from $10,000 to $500,000 for Tidewater businesses ready to hire, expand, or restock.
- Terms up to 10 years with seasonal payment options
- Decisions in 48 hours with a dedicated advisor
Home loans
Purchase, refinance, FHA, VA, and jumbo loans — built for first-time buyers, movers, and forever-home seekers.
- Fixed rates from 4.2% APR, down payments from 3%
- Pre-approval letters in as little as 24 hours
At a glance
Side-by-side basics to help you compare in under a minute.
Personal loans
- Amounts
- $2.5k – $50k
- Rates from
- 7.9% APR
- Terms
- 12 – 60 mo
- Best for
- Debt payoff, surprises
Business loans
- Amounts
- $10k – $500k
- Rates from
- 6.4% APR
- Terms
- 1 – 10 yrs
- Best for
- Growth, equipment
Home loans
- Amounts
- $50k – $2M+
- Rates from
- 4.2% APR
- Terms
- 15 – 30 yrs
- Best for
- Buying, refinancing
Service questions
Buying or refinancing a home means a home loan; growing a company means a business loan; almost everything else fits a personal loan. Still unsure? A ten-minute call with an advisor settles it.
Checking your rate uses a soft inquiry that never affects your score. A hard inquiry happens only when you move forward — and we tell you before it does.
Personal loans fund in as little as 24 hours, business loans in about a week, and home purchases close in 21 days on average.
Never any prepayment penalties. Origination fees depend on the program and appear line by line in your estimate — most borrowers pay $0 to $495.
Not sure where to start?
Compare all three programs with an advisor in one short call — no pressure, no jargon.