Personal Loans and Lines of Credit

Personal Loans

  • Funds are easily accessible 

  • Fixed rate and terms available

  • Convenient financing for planned or unplanned events

  • Competitive rates


Personal Lines of Credit

  • Flexible payment terms and accessibility

  • Reusable source of funds that can be used for whatever you need

  • Competitive rates 

  • Secured and unsecured options available

  • Multiple ways to access your funds


Overdraft Lines of Credit

  • Unsecured personal line of credit attached to a checking account for overdraft protection

  • In the event of an overdraft, funds transfer in $100 increments

  • Interest rates apply


Subject to credit approval. Normal credit approval criteria apply. Rates, terms, and conditions are subject to change. Please contact an Old Point lender for the APR currently in effect.