Let us help you find the right personal lending solution.

Our approach to personal lending is a little different here at C&F Bank because we take the time to first understand your unique preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your personal banker will do more than process a loan for you – together, we will develop a detailed plan for your personal finances. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.

CALL or EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

All our personal lending solutions come packed with these standard features:

  • Competitive interest rates and terms

  • A variety of financing options to choose from and all are subject to credit approval

  • Streamlined application process

  • All loans are subject to credit approval

  • Convenient loan management through Online and Mobile Banking

  • Home Mortgage Loan

    C&F delivers competitive, hassle-free financing when it’s time to purchase or refinance one of your biggest assets—your home.
  • Home Equity Line of Credit

    Borrow cash at your convenience for home improvement projects or other major expenses, using the equity in your home.
  • Home Equity Loan

    Let your home equity secure the fixed loan amount you need for debt consolidation or a large expense, then pay it off in manageable installments.
  • Easy Access Line of Credit

    Protect your personal checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don't line up perfectly.
  • Auto Loan

    This easy, affordable option will fund the purchase of your new or used vehicle, boat or motorcycle—or save you money by refinancing it!
  • Personal Loan

    Sometimes you just don’t have the funds up front for a major expenditure. Count on us to tailor a loan that will help you meet your goals.
  • Rewards Credit Cards

    Make on-the-go purchases with freedom and confidence, while earning great rewards.

 

Get Started

Call or stop by any of our banks today and speak with a relationship manager to apply for a loan or line of credit.

Find a Location

 

Home Mortgage Loan

C&F delivers competitive, hassle-free financing when it’s time to purchase or refinance one of your biggest assets—your home.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • A continuous relationship with C&F Bank
  • Several mortgage programs available to fit your financing needs, including fixed-rate options
  • No escrow requirements, unless in a flood zone
  • Availability of bridge, residential lot and construction loans

Contact us to learn more.

Home Equity Line of Credit

Borrow cash at your convenience for home improvement projects or other major expenses, using the equity in your home.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Revolving line of credit
  • Flexible, convenient payment options
  • Funds accessible online or by check
  • Possible tax deduction on interest (consult with your tax advisor)

Contact us to learn more.

Home Equity Loan

Let your home equity secure the fixed loan amount you need for debt consolidation or a large expense, then pay it off in manageable installments.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Closing costs paid by the Bank (certain restrictions apply)
  • Funds available for a variety of purposes
  • Fixed interest rate and monthly payment
  • Flexible terms to suit your needs
  • Possible tax deduction on interest (consult with your tax advisor)

Contact us to learn more.

Easy Access Line of Credit

Protect your personal checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don't line up perfectly.

What is included in addition to the standard services?

  • Lines of credit ranging from $1,000 to $5,000
  • Fixed rate
  • Ability to access, repay and access again without reapplying
  • Monthly payments debited from your C&F personal checking account

Contact us to learn more.

Auto Loan

This easy, affordable option will fund the purchase of your new or used vehicle, boat or motorcycle—or save you money by refinancing it!

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Fixed installment payment
  • Various terms are available

Contact us to learn more.

Personal Loan

Sometimes you just don’t have the funds up front for a major expenditure. Count on us to tailor a loan that will help you meet your goals.

What is included in addition to the standard services?

  • Local decision-making and expedited loan processing
  • Funds available for a variety of purposes
  • Flexible repayment terms
  • Unsecured options available

Contact us to learn more.

Rewards Credit Cards

Choosing the right credit card is easier than ever. Pick the best rewards card for you!

No matter which card you choose, you'll enjoy important features like:

Pay Down Balances.

Visa® Platinum Card

Save on interest with a great low introductory rate for an extended
time. Pay down other credit card balances faster with this
non-rewards card.

Learn More

Apply Now

Flexible Cash Rewards.

Cash Rewards American Express® Card

Earn cash back1 every time you use your card: 3% on the first
$6,000 in eligible net purchases made each year at gas stations,2,4
2% on eligible supermarket net purchases, and 1% on all other
eligible net purchases, plus $25 cash back after your first
purchase.3

Learn More

Apply Now

Rewards To Use The Way You Want.4

Visa® Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net
purchases (equal to 1.5% cash back).5 Plus, earn 2,500 bonus
rewards points after your first purchase.3 There is no limit on the
total cash back you can earn, and you have five years to redeem
for rewards.

Learn More

Apply Now

Premier Rewards American Express® Card

Earn up to 4 points for every $1 spent on eligible net restaurant
purchases,6 3 points for every $1 spent on eligible net airline
purchases, 2 points for every $1 spent on eligible net gas purchases
and 1 point for every $1 spent on all other eligible net purchases.
Plus, earn 10,000 one-time bonus rewards after you spend $1,000
in the first 3 months.3 There's no cap or limit on the number of
points you can earn, and you have five years to redeem for
rewards.4 Also, receive reimbursement for either Global Entry or
TSA Pre✔®.7

Learn More

Apply Now

Build Your Credit.

Visa® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible
net purchases.5 There’s no cap or limit on the points you can earn,
plus you have five years to redeem points for rewards.4 ,2,500
bonus rewards points awarded after first purchase3, redeemable
for $25 cash back, merchandise, gift cards or travel savings.

Learn More

Apply Now

Visa® Secured Card

Provides an excellent opportunity for someone starting a credit
history or for someone who has been turned down for a credit
card. If you need to improve or re-establish your credit history8,
here's a great way to begin that process. Enjoy the convenience
of credit including the option to carry a balance while earning
interest on your secured savings account.

Learn More

Apply Now

Disclaimers

1 - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card
      account within one to two billing cycles.
2 - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in
     Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn
    1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point
    (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a
    supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3
    Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following
    merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on
    the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will
    earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the
    quarter in which they are earned.
3 - Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time
     bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
    4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not
    all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember
    Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including,
    but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to
     1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
     earned.
6 - Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing
     cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at
     merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for
     each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of
     airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any
    merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 - Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 - Late payments and going over the credit limit may damage your credit history.
    The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American
Express is a federally registered service mark of American Express.

 

Back to Top