Personal Loans

Our solution-based and thoughtful approach to each customer’s needs means unrivaled support and a true financial partnership.

Personal Loan Products

When it's time to finance the opportunity of your dreams, a college education or you just need to get through an unexpected emergency, expect loan options, guidance and credit services from Vinings Bank. Whatever goal you're trying to achieve, one of our loan representatives will be happy to assist you in determining what loan option will work best for you.

Credit Cards

We offer our clients competitive credit card options for your lifestyle, delivering convenience and security.

learn more about the right card for you*

* Credit cards are subject to personal credit approval and terms and conditions of the Credit Card Agreement.

Home Equity Line of Credit

Whether you are paying for college, funding home improvements or financing another goal, Vinings Bank Home Equity Line of Credit (HELOC) is a flexible line of credit secured by the equity in your home. We offer competitive rates and convenient access with the quick decision-making that can only be found at a locally run, community bank.

Advantages include:

  • Low closing costs (depending on the product structure chosen)
  • Variable and fixed-rate options
  • Decide when and how much to borrow up to a preset limit; pay principal and interest only on the amount you use
  • Paid interest could be tax-deductible (please consult your tax advisor)
  • Reuse credit line over and over again with no need to apply for a new loan
  • Money from the credit line is spent using checks

Auto Loans

At Vinings Bank, we make buying your perfect car easy. We offer a variety of auto loans with competitive rates and flexible terms, plus a quick response to your credit inquiry so that the car you want doesn't get away. Putting you on the road with a loan that works for you is just one of the many customized advantages of being a Vinings Bank customer.


At Vinings Bank, we are proud to offer a variety of home loan options to suit your needs, competitive rates and outstanding, local customer service to ensure you get the best financing options available to you.

We offer:

  • Conventional loans with up to 97% financing for home purchases and refinances both with fixed and adjustable rates; loan program has a lender-paid mortgage insurance option
  • FHA Loans with a low down payment of 3.5%, and it may be a gift; easy to qualify with less stringent guidelines and no reserves required; competitive rates; no income limits
  • Up to 10 financed properties allowed
  • One day off the market on refinances; delayed financing (purchase home for cash and get cash back within 6 months); 620 credit score on purchase and rate and term refinance
  • Jumbo mortgages up to $2M
  • Purchases and refinances for second homes and investment properties

Documents Needed to Process Your Application Quickly:

  • Most recent paystub for each wage earner
  • W-2’s for the past 2 years
  • If self-employed, personal and business tax returns for past two (2) years
  • Two months of recent checking and savings statements, 401(k) and retirement statements, if applicable
  • Fully executed sales contract
  • Copy of cancelled earnest money check
  • Copy of your driver’s license and social security card
  • Homeowners insurance


Personal Installment Loans

At Vinings Bank, we know that financial needs aren't one size fits all. Our personal loans can make anything from an exotic vacation to new living room furniture a reality you don't have to wait for. Call us today to find out how we can make dreams, big and small, come true sooner than you imagined.

Single Payment Loans

If you just need a short-term loan that you want to repay at a later date in a single payment, this is the solution for you. This type of loan gives you the ability to receive funds in advance with the repayment coming at a set future time. Take advantage of no monthly payment, a competitive interest rate and the fact that payment and interest are not due until maturity.

Join Vinings Bank Today

Download our easy-to-follow guide and become the newest member of Vinings Bank today.


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