At CapStar we value your privacy. For more information about our security, click here.Personal Banking
Personal Loans
Whatever your personal borrowing needs, an experienced CapStar financial advisor will help you find the right solution. Our professional staff will discuss your goals with you to determine which of our competitive loans fits your need. Then your application and the credit decision on your loan will be made right here in our offices, by people you know and trust.
For more information please visit us at one of our CapStar branches, call us at 615.732.6400 or send an email to CapStar@CapStarbank.com.
CapStar Rewards Unsecured Line of Credit
Rates as low as 7.25% APR*
Use the funds for anything you need:
- Pay off high interest credit cards
- Take your dream vacation
- Use the funds for unexpected expenses
- Overdraft protection
You can conveniently access the line using checks, online banking, or by using your check card!
*Rate is based upon the Prime Rate published in the Wall Street Journal, currently 3.25%. The LOC is subject to credit review and approval. Applicable interest rate may vary between Prime Rate +4% to Prime +6% depending on your credit qualifications. Terms and conditions subject to change without notice. An annual fee of $50 will be charged for lines with a $0 balance for 365 consecutive days. Minimum line amount is $1,000 and maximum line amount is $10,000. Requires a CapStar checking account. For example, a LOC with a balance of $1,000 with an APR of 7.25% would require a monthly payment of $6.05.
Overdraft Protection
Personal Line of Credit
Installment Loan
Bridge Loan
Mortgage Equity Lines and Loans
Let the "approachable financial expertise" of Capstar Bank help you find the right fit for your mortgage needs. Whether you are buying a home, a lot, preparing to build, or just need access to the equity in your home for debt consolidation, school expenses or other personal needs, we can help provide the right solution to finance your needs. Simply call one of our relationship managers to begin the process. Our solutions to your mortgage needs include the following:
Conventional Fixed Rate Mortgage Loans
Shopping around to find the best permanent mortgage rates can be time consuming and confusing. Allow us to help you streamline that process and eliminate some of the headaches involved in obtaining conventional mortgage financing. Capstar Bank works with permanent mortgage lenders to find you the best rate and terms available. Benefits of a conventional fixed rate mortgage include:
- Fixed rate of interest locked in for the life of the loan
- Set payment amount each month
- Interest may be tax deductible
Home Equity Line of Credit (HELOC)
Capstar can provide a line of credit secured by the equity in your primary residence. Benefits of a HELOC include:
- The flexibility to access funds whenever you need it
- A floating rate loan that may offer a lower interest rate than many other types of credit
- The ability to select a monthly payment that fits your budget
- Interest only payments for up to 10 years
- Interest may be tax deductible
Home Equity Loan
Capstar can provide a fixed rate Home Equity Loan. The Home Equity Loan is secured by the equity in your primary residence and is ideal for immediate short term borrowing needs. Benefits of a Home Equity Loan include:
- Fixed rate of interest for the life of the loan
- Set payment amount each month
- Ability to access the equity in your home for home improvements, school expenses or other family needs
- Interest may be tax deductible
Residential Construction Loans
Capstar can help you finance the construction of a new home or make major renovations to an existing home through a residential construction loan. Key components of a residential construction loan include:
- Interest only during construction
- If requested, Capstar will work with you to apply for a takeout letter from a permanent lender
