Personal Loans & Lines of Credit
Whatever your needs, we can help.
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 Unsecured Loan
Get access to the funds you need without the need for collateral.
Loan amounts from $2,500 to $25,000. Terms up to 60 months.*
Personal Unsecured Line of Credit (Masterline)
Always have access to immediate funds with this flexible borrowing tool with no need for collateral.
Line amounts from $2,500 to $20,000. An M&F Bank checking account is required for a personal unsecured line of credit.
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.
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)
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.
Want to learn more about personal lending options?