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Personal Loans

Whether you’re considering a major purchase, consolidating debt or bringing a dream to life, look to Xenith Bank for a variety of personal loan options. Our knowledgeable team is right here in your community. You can count on us for reliable, tailored advice, fast responses and the financing solutions to help you make the big decisions just a little simpler.


Use the equity already in your home for major renovations, debt consolidation, education expenses or a significant purchase. Xenith Bank Home Equity loans offer flexible terms and attractive benefits to help you with the big things.

  • Fixed interest rates and flexible terms
  • No prepayment penalty
  • Interest may be up to 100% deductible 1


Put the value of your home to work with a flexible home equity line of credit. You get ongoing access to funds up to your credit limit so you can invest in what you want and need, when you want and need it.

Use for any purchase or expense, including:

  • Home improvement
  • Major purchases or appliances
  • Tuition or education costs
  • Ongoing or unplanned expenses
  • Debt consolidation
  • Medical expenses
  • Vacation
  • Convenient access to your account when needed
  • Interest may be up to 100% deductible 1


We know that a mortgage is a really big deal. Whether you’re buying your first home, investing in property or refinancing, Xenith Bank is here to give you all the guidance you need to select and secure the right loan for your needs.

  • Mortgages for primary and secondary homes
  • Mortgages for investment property
  • Traditional fixed rate mortgages tailored to meet your needs
  • Expedited and local decision process


Whether you’re helping your child get that first car, getting a minivan for your growing family or finally getting behind the wheel of your dream car, chances are, an auto loan can fuel the process.

  • Purchase, refinance or buy-out your lease
  • Choose from a variety of flexible repayment options
  • Get competitive terms and rates


Get out on the water. Xenith Bank offers flexible terms, quick local decisions and competitive rates on boat and marine lending. This is what smooth sailing feels like.

  • Purchase a new used boat from an individual or dealer
  • Get multiple finance options
  • Lower your payments by refinancining your current boat


Need money, but don’t want to withdraw funds from your deposit accounts? Xenith Bank offers secured loan options that could allow you to use your CDs as collateral.1

  • Flexible repayment options
  • 100% Loan to value Ratio (LTV)
  • No prepayment penalties


Protect your accounts from overdraft penalties.2 If you don’t have enough money in your checking account to cover the transactions, Xenith Bank will automatically transfer available funds from your savings line of credit.

  • Lines of credit from $500 to $5,000
  • Flexible payment options
Ready to take that next step?

We can make your transition painless

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1 Consult your tax advisor for details. A 1098 will be issued as required by law.

2For additional information concerning rates and fees, please call or visit one of our financial centers.

Loans and Lines of Credit are subject to credit approval.