Personal and Student Loans

The cash you need, when you need it.

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You have hopes, dreams, projects, and plans. CAP COM is here to help you achieve them as quickly and easily as possible.

Here are common uses of personal and student loans:

  • Consolidate debt
  • Pay for college tuition, books
  • Cover emergency expenses
  • Fund small home remodeling projects
  • Pay for moving costs
  • Buy new appliances


Refinancing a loan could save you money – possibly a lot. When does it make sense?

1) You have a high-interest loan and you’re paying more than if you borrowed today.
2) Interest rates dropped and your remaining loan balance is fairly large.
3) Your credit has improved so you might qualify for a lower loan rate.

Not sure? Let us take a Fresh Look at your situation to see if we can save you money.

Personal Loan

If you need cash for home improvements, to consolidate debt, or to cover a large unexpected expense, consider a Personal Loan with terms from 6 months to 5 years.

  • Borrow up to $25,0001
  • Line of credit with 3- to 5-year terms
  • No collateral required
  • No application fee
  • Fixed monthly payments

Apply Now

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Student looking at computer with another student

Student Loans

If you're a college student with at least a half-time schedule, you may qualify for our Academic Advantage Loan.

  • Borrow up to $50,000
  • Eligible expenses: tuition, room and board, books, computers.2
  • No collateral required
  • Multiple payback options

Apply Now

Need more help? See our College Bound program.

Estimate Your Payments

When faced with a large expense like college tuition or major bills, a loan with a good rate and affordable payments can help cover it. Use our monthly payment calculator to:

  • Estimate your payment amount
  • See the effect of different terms and rates
  • Explore total interest over the life of the loan

Calculate Your Payment

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Bank Well Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

Our Certified College Funding Specialists can help you locate funding resources and build a financing plan.

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Get Details

Home renovations, a college education, keeping an emergency fund for peace of mind. Why wait? We can help.

Home Equity Line of Credit

  1. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. Rates are accurate as of 12/20/2023 6:55 AM and are subject to change without notice.

  2. Restrictions apply. APR = Annual Percentage Rate. Must qualify for maximum loan amount. Two payback options are available: principal and interest payments for 180 months or interest-only payments for first 54 months followed by 180 months of principal and interest payments. The representative monthly interest and principal payment based on a 15-year variable term at a 11.50% APR is $11.62 per $1,000 borrowed. At 11.50% APR, the representative monthly interest only payment for 54 months would be $9.58 would be per $1,000 borrowed followed by 180 months of principal and interest payments of $11.68.