Personal Loans

Local decisions—community banking at its best

At Soy Capital Bank, we can handle all of your loan needs. We’ve made our consumer loan process simple and hassle-free. In fact, most loans are approved in 30 minutes or less. Customers with a Soy Capital Bank checking account are offered reduced-rate auto and home equity loans.

Personal Loans

  • Debt consolidation
  • Fixed-rate home equity loans
  • New or used vehicles
  • Home improvements
  • Vacations
  • Watercraft and motorcycles

All of these loans are available at competitive interest rates and terms that can be tailored to fit your needs.

Home Equity Line of Credit

Our home equity line of credit gives you the flexibility to use the equity in your home for your various financial needs. (Your interest may be tax-deductible—check with your tax advisor). Our home equity line offers you:

  • Competitive rates.
  • Easy access by personalized checks.
  • Multiple uses—vehicles, college tuition, vacation, home improvement or any other large purchase item.
  • Consolidation of non-tax-deductible high-interest credit cards and personal loans.

Payday Alternative Loan

Whether it is for unexpected bills or you just need some cash before payday, Soy Capital Bank provides a quick and easy solution through our Payday Alternative Loan option.