Whether it’s a big expense or consolidating debt, we have options that meet your needs.

Complete and easy online application or find a local branch to get started.

Personal Loans & Lines of Credit

Unsecured

PERSONAL UNSECURED LOAN

Get access to the funds you need without the need for collateral.

*Minimum loan amount of $2,500.

PERSONAL UNSECURED LINE OF CREDIT (MASTERLINE)

Always have access to immediate funds with this flexible borrowing tool with no need for collateral.

*Minimum loan amount of $2,500. An M&F Bank checking account is required for a personal unsecured line of credit.

Secured

TIME DEPOSIT SECURED LOAN

Use your time deposit account as collateral for a loan, and enjoy a more favorable rate while still earning interest on your deposits.

TIME DEPOSIT SECURED LINE OF CREDIT

Take advantage of this flexible borrowing tool so you’ll always have a ready source of funds for big projects like home improvement and unexpected expenses that arise.

SECURED CONSOLIDATION LOAN

Simplify your life by combining multiple loans into one, giving you a single monthly payment and maybe even a lower interest rate.

AUTO LOAN

Finance the purchase of your next car or truck – or use the equity you have in a vehicle you’ve already paid off to secure a consolidation or other type of loan. (Minimum loan amount: $7,500)

Home Equity Line of Credit

Open a line of credit secured by the equity in your home, and know you’ll be covered for upcoming or unplanned expenses large and small. (Minimum line of credit amount: $20,000.00)

Credit Cards

Access what you need to handle unexpected expenses such as car repairs, major appliance purchases or other emergencies, and to stretch budgets to cover unexpected costs.

*Applicants must be at least 18 years of age, and a U.S. citizen or U.S. resident alien to apply for a M&F Bank loan. At this time, we only process applications for North Carolina residents.

*Applicants must be at least 18 years of age, and a U.S. citizen or U.S. resident alien to apply for a M&F Bank loan. At this time, we only process applications for North Carolina residents.

Want to learn more about personal lending options?

You may also be interested in:

Auto Loans
M&F Bank Dream Big HELOC

Credit Cards