Loan Services

Whether you're looking for a Consumer Loan, Equity Line, a credit card, Bank of North Carolina can put together a program to fit your particular needs and budget. Rates and terms may vary, so we invite you to use our convenient Loan Calculator to calculate payment information.

Home Equity Lines Of Credit
The Home Equity Line of Credit may be your best choice when you need to borrow. By using the equity you've built up in your home, you can have a line of credit that's ready and waiting for you. Benefits include the freedom to use your borrowed funds as you please, with lower interest rates than most consumer loans and possible tax advantages*. Unlike other types of loans, interest on your Home Equity Line of Credit may be tax deductible, which can save you money every April 15.          
Your Home Equity Line of Credit can be used for major expenses like a wedding, home improvements, college tuition, dental work, a vacation home. It's also perfect for smaller purchases like gifts or appliances, consolidating credit cards, or paying off high interest loans to achieve a single, more affordable payment. The choice is yours!

*Please consult you tax advisor.

Second Mortgage Loans
A Bank of North Carolina 2nd mortgage loan allows you to borrow up to a preset limit that's based on the equity in your home. When interest rates are on the rise, this type of loan gives you the peace of mind to sleep well at night. Because when other "floating" home equity loan rates are rising, your monthly payments remain constant.

With one of our 2nd mortgage loans you can get a fixed rate that's locked in for 15 years, with no teaser rates, no increases and no hidden costs. You'll have the cash you need for the things you've always wanted to do!

Personal Loans
Need cash for a good purpose? We offer personal, unsecured installment loans that require no collateral. You can use the money for home improvements, vacations, a wedding or for almost any purpose. Please call a Bank of North Carolina banker for more information.

Auto Loans
When it's time for a new car, we finance both new and used vehicles with flexible terms that suit your needs. Our fast turnaround will save you time, and our low fixed rates will save you money. Talk to a Bank of North Carolina banker for more information.

Boat Loans
Ready for that sailboat, jet ski or powerboat? We offer financing to qualified buyers for the purchase of new and used boats at competitive rates.

Airplane Loans
Aviation enthusiasts will appreciate our loans for new and used aircraft. Call us, and we'll work out financing that will help your dreams take flight!

Cashline (Overdraft Protection)
A Cashline is a convenient, revolving cash reserve line that's linked to your Bank of North Carolina checking account. Funds are automatically advanced in $100 increments to cover your overdraft (up to the amount of your credit limit). Don't be caught short again!

Credit Cards Issued Prior to 2010
Keeping you informed about the terms and conditions of our credit cards is important to us. Click here to request specific information about your card.

Credit Cards Issued 2010 or Later
Purchasing power at your finger tips. That's what you get with Bank of North Carolina's  Visa® or MasterCard®. Whether at home or abroad, the Bank of North Carolina card is accepted at millions of locations all over the world - anywhere you see the Visa® or MasterCard® logo.  If you are a current credit card customer and you would like more information regarding your account click here.

All loans are subject to credit approval. Please call a Bank of North Carolina banker today to inquire how we can help you in reaching your loan goals!

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