Personal Loans

Building more, together.

A loan is so much more than additional money. It’s the connection from where you are now to where you want to be. Our relationship managers and specialists support you in getting there quickly, easily and responsibly. We take care to understand your needs and create competitive financing solutions that serve you well today and in your future, because you deserve simply exceptional service.

Check out our personal lending products below. And call us at 423-567-SBNK or come by any of our full-service branches from 8:30 a.m. to 5 p.m. Monday through Friday to learn more.


More borrowing options:


>> Home Equity Line of Credit (HELOC) | Secured line of credit tied to your home’s value and equity.

Buy a car, build a house or pay off debt with a variable-interest line of credit tied to your home’s value.

You’ve worked hard to earn your home. Now let your home work hard for you. HELOC is short for Home Equity Line of Credit and features a low, variable-interest line of credit available to most homeowners and tied to your home’s value. HELOCs are a great way to consolidate debt, make needed purchases and make home repairs by borrowing against your home’s equity. View more and set up an appointment to speak with a relationship manager on our HELOC page.


>> New Construction Loans | Start to finish construction financing options.

Start from scratch and watch your vision take shape with new construction financing options

You aren’t just building a house; you’re building a home. And our team understands that means it’s important to get every detail right. Whether you’re starting out or downsizing, we have more than 130 years of experience financing new construction in the Tennessee Valley and beyond. Our team is eager to help make your dream project come true.


>> Auto Loans | New and late-model financing for car buyers.

Go top-down in a new two-seater or size up to accommodate your growing family with customizable auto financing tools

Your vehicle is more than four wheels and an engine – it’s sunny Sunday memories driving the countryside and the place where each and every work day begins. So at SimplyBank, we’ve designed auto loans to put you in the right, reliable automobile. Competitive pricing and our simply-structured loans are designed to get you more car for your buck and on your way wherever you’re going.


>> Motorcycle, boats and recreation vehicles | Financing options for life’s non-essentials (and wishlists).

Embark on summer of camping, invest in a lake life pontoon or hit the road on two wheels with these flexible financing options

Whether two-lane roads or rolling rivers are calling your name, we have you covered. Our teams know that sometimes the only remedy for working hard is playing hard, and we have competitive rates and pricing on bike, boat and ‘bago loans to help you get more out of life and out of your recreation budget.


>> Unsecured Personal Loans | Outside-the-box financing options for outside-the-box needs.

Looking for financing that doesn’t tick the traditional boxes? Ask our team about unsecured personal loans and tools

Sometimes opportunities come along which don’t fit inside a box – that’s OK, because at SimplyBank our lending teams know your wants and needs are unique to you. And that your financing needs are, too. From special projects to one-time large purchases, our unsecured personal loans offer you more options to get from here to there.


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Contact Us

Call us at 423-567-7265 or visit any of our local offices today and let our experienced relationship managers assist you with all your business needs.

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