Atlantic Union Bank (AUB) has acquired American National Bank & Trust Company. Learn More.  AUB customers can now use American National ATMs in VA and NC for withdrawals with no fees or surcharges.  Find an American National ATM.

Personal Loans & Lines of Credit

Your answer when opportunity knocks

It's a way to pay for life’s needs, wants and wishes.

Money isn’t everything. But it can help us grab opportunities – or cope with emergencies.

Sometimes we’re hit with a big bill when we’re simply not prepared for it. Sometimes that big-ticket item we covet goes on sale and we're a little short on cash. Or you may have higher-rate credit card balances that you want to consolidate into one payment with a lower interest rate.

Atlantic Union Bank offers low-cost personal loans and personal lines of credit to cover almost any situation. And we pride ourselves on quick loan decisions and quick access to your funds. Because we know life can come at you fast.

Our Enhanced Loan Calculator helps you determine what your monthly payment may be, so you can find the right fit for your budget and goals.

Personal Loans

We offer two types of personal loans, unsecured and secured. You can use your loan for debt consolidation, auto repairs, medical or dental expenses, home improvement or wedding expenses. 

Unsecured Personal Loan

With an unsecured personal loan, you can get low, fixed-rate financing for amounts up to $50,000 and affordable monthly payments. No collateral is required.

Deposit Secured Personal Loan

Use your Atlantic Union Bank CD or savings account as collateral for your loan while you continue to earn interest on your funds. Visit a branch to apply.

Benefits of personal loans

  • Predictable, fixed monthly payments for the life of your loan
  • Repayment terms up to 60 months
  • No pre-payment penalty
  • 0.25% interest rate discount on new loans with an automatic payment from your Atlantic Union Bank deposit account

Personal Line of Credit

A personal line of credit is an easy way to get money when you need it without having to re-apply. You only pay interest on the funds you actually borrow. This “just in case” line of credit can be used for unexpected expenses, vacation, home renovations and more. Visit a branch to apply.

Benefits of personal lines of credit

  • Flexible line amounts with a variable rate
  • No collateral required
  • No annual fees or pre-payment penalty


*Atlantic Union Bank personal loan proceeds cannot be used for educational expenses, such as college, university, or vocational expenses.

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