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