Personal Lending Services

For more than 140 years, Bank of Clarke has been providing our customers with the right loan products and services to meet their specific needs.

Today, we offer a wide variety of loan solutions that feature competitive rates and flexible terms.

Auto & Personal Loans

If you have your eye on a new or used car, Bank of Clarke is your single source lending solution. We offer loans with flexible terms and competitive rates. Ready to buy a car now? Get pre-approved to make the purchasing process smoother.

To apply for a Auto & Personal Loan, contact a consumer lender or visit a branch.

Personal Loans and Lines of Credit

A personal loan is a great way to help fund a dream vacation, make home improvements, pay off high interest credit cards, repair a vehicle, or take care of a wide variety of other needs. Bank of Clarke has great rates and flexible terms to fit your budget.

Interested in a Personal Line of Credit (LOC)? We can transfer funds right into your checking account, with no application fees or monthly payments until you utilize your Personal Line of Credit.

To apply for Personal Loans and Lines of Credit, contact a consumer lender or visit a branch.

Mortgages

No matter what stage of life you find yourself, selecting the perfect home is important. Whether you are purchasing your first home or your next one, we can help streamline the process. Bank of Clarke offers a wide variety of mortgage options at competitive rates to meet your unique needs.

Let us be your one stop Mortgage solution for:

  • Purchasing a New Home
  • New Construction
  • Refinancing
  • Remodeling
  • Purchasing a Second Home

Our 24/7 online Mortgage portal gives you everything you need at your fingertips!

Apply Now  Learn More

Veterans Administration (VA) Loans

We offer VA loans to military borrowers, including active-duty personnel, veterans, reservists, national guard, and their spouses.

  • No down payment
  • No Private mortgage insurance
  • Competitive rates
  • Use for an own-occupied primary residence

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Community Partners Program

We partner with FHLBank Atlanta to support those who make their living by serving our communities, including police officers, fire fighters, active-duty military personnel and spouses, educators, and health care workers.  You can receive up to $10,00 towards a down payment on a home, closing costs, or rehabilitation costs.  To be eligible, you must:

  • Contribute at least $1,000 towards the purchase of a home
  • Occupy the home as a primary residence
  • Complete a homebuyer education and financial literacy course

Find Out More

Home Equity Line of Credit and Loans

Let the equity in your home work for you. Home Equity Lines of Credit and Loans are great ways to pay off high-interest credit cards, consolidate debt, improve the look of your home, or pay for big expenses, like your child’s dream wedding. They can also provide possible tax deductibility advantages.

A Home Equity Line of Credit (HELOC)1 may be better for you if you:

  • Need a revolving credit line to borrow from and pay down multiple times
  • Want a credit line available for future emergencies

Other advantages of a HELOC from Bank of Clarke County include:

  • The Bank will allow HELOCs of up to 89% of your home’s value  
  • We will pay all closing costs on any new variable rate HELOCs up to $500K
  • Revolving line of credit allowing you borrow as little or as much as you need, up to your credit limit
  • Convenient access to funds – by check, by phone, at a branch, or through online banking
  • Ability to refinance to obtain more equity 

A Home Equity Loan can be the best choice for you if you:

  • Know the exact amount of funding you need for a one-time, fixed expense
  • Don’t want to access a new credit line and risk creating more debt
  • Need a set monthly payment that doesn’t fluctuate

For more information on HELOC products contact a consumer lender or visit a branch

Apply Now

Construction Loan Options

Bank of Clarke offers two convenient options if you are building a home.

One Closing. Benefits include substantial cost savings and a streamlined process.

  • During the construction phase, you pay interest-only payments on your loan balance for up to 12 months. 
  • Once construction is complete, the occupancy permit is issued, and the contractor/builder is paid, we modify the construction loan into a permanent mortgage.
  • The permanent mortgage is like any other mortgage:  Chose from any of Bank of Clarke’s flexible conventional mortgage options.

Two Closings.  If you already have a home and need the money from the sale of your existing home to fund a down payment on new construction, this option may help you meet your goals.

  • Your first loan pays for the construction phase of your new home.  When you move in, you get a mortgage to pay off the construction debt.
  • You pay for two closings and two sets of fees – first on the construction loan and second on the permanent mortgage.
  • You can live in your current home while your next home is under construction.
  • During the construction phase, you pay interest-only payments on your loan balance for up to 12 months. 
  • Once construction is complete, the occupancy permit is issued, and the contractor/builder is paid, we modify the construction loan into a permanent mortgage.
  • The permanent mortgage is like any other mortgage:  Chose from any of Bank of Clarke’s flexible mortgage options.

Find Out More


Subject to credit approval, ask for details. Please consult a tax adviser for further information regarding the deductibility of interest and charges. 

1Bank of Clarke will pay all closing costs for HELOCs up to $500,000 unless the HELOC is terminated within the first three years of origination. Closing costs start with a $250 origination charge plus any attorney's fees, appraisals, recording costs, credit report fees, as well as any other fee that may be assessed in association with the loan origination which generally range between $300 and $4,500. As of January 1, 2023, the ANNUAL PERCENTAGE RATE for HELOCs was 7.50%. This plan has a variable rate feature, which means the ANNUAL PERCENTAGE RATE, minimum payment amount, and final payment amount may change monthly. The ANNUAL PERCENTAGE RATE does not include costs other than interest and is based on an index using the Wall Street Journal prime rate and a margin rounded to the nearest 0.125%. Under no circumstance will the ANNUAL PERCENTAGE RATE go below 7.50% or exceed 24.00%.  All rates and terms are subject to change without notice. Please contact us for more details.