Personal Lending

We offer full-service lending solutions at City Bank & Trust Co. Whether you are in the market for a new home, a new car, want to take a vacation or need to borrow money for just about anything else, chances are we can help you out.

 

Mortgage Loans

Whether you’re buying or building your dream home City Bank & Trust Co. can help you every step of the way. From determining what you can afford to closing the deal we keep it simple. Already own your home? We can refinance your home to reduce your house payments, consolidate debt or get cash out.

Financing available for primary residences, vacation homes, or 1-4 family investment homes in almost every state.
City Bank & Trust Co. offers a variety of loan products to best fit your needs, and our expert lenders work with you to determine the best option for you based on your income, credit and amount of the down payment or equity.

Types of financing available:

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • NIFA Loans
  • Jumbo Loans

Construction Loans

At City Bank & Trust Co., we work closely with many homebuilders as well as individuals and families building new homes. We offer construction loans and long-term loans. By being a full service lender we can provide you with both your construction loan and long term financing saving you both time and money.

Bridge/Interim Loans

Wanting to move into your new home, but don’t have your current one sold yet? We can help! City Bank & Trust Co. offers Bridge loans and Interim loans to help get you through the transition.

Whether it’s your first home or your retirement home. Whether you are building a new home or restoring a classic. Whether you know the ropes or need help to chart the right course. City Bank & Trust Co. is here to help you along your journey.

Getting Started

You can count on our knowledgeable mortgage loan officers to answer all your questions. From discussing various loan options, to reviewing your credit report with you, we are here to help you.

Our no cost, no-obligation pre-approval process is the first step in determining the best loan program to suit your needs.

Upon finalizing the purchase agreement with a realtor, builder or seller, we will guide you through all the steps to close the deal.

Get Prequalified 

Financial Calculators

Home Equity Loans

City Bank & Trust Co. makes it simple to get a Home Equity Loan. Secured with the equity you have in your home, a City Bank Home Equity Loan is an ideal way to pay for a home remodel, education costs, debt consolidation or financing that next important big purchase.

A Home Equity Loan provides a lump sum loan with a fixed interest rate and fixed monthly payments. Home Equity Loans are an ideal way to pay for large expenses such as a home remodel, debt consolidation, vacations or any other need.

 

Home Equity Line of Credit 

Tap into your home’s equity!

Need funds for college, a vacation, or other special purchases? Gain access to the cash value in your home with a home equity loan. With a variety of rate and term options available we can help put your home’s value to good use.

A Home Equity Line of Credit (HELOC) is a form of revolving credit that can be used and repaid multiple times for unexpected expenses or other cash needs.

Contact Lender

Auto Loans

If you are thinking about buying a new or updated vehicle come talk to one of our auto loan experts to find a payment plan that will fit your needs.

  • Available for both new and used vehicles including refinancing options
  • A variety of rates and terms accommodate your financial circumstances
  • Fast and local decisions
  • Get pre-approved today and shop with confidence

Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.

Car Loan Calculator

Personal Loans

Flexible loan types and terms that can provide you with money for just about anything.

  • City Bank & Trust Co. personal loans can be used for just about anything like debt consolidation, vacations, special occasions, moving expenses and more.

Get Started

Contact one of our lenders today!

 

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