Consumer Loans

If you want it, we have a loan for it. We’ve been in the lending business since 1939, so you get the advantage of our experience, convenient service, and attractive rates.                        

Applying is easy                                                                                                       We make applying for your loan simple. Apply online by clicking on the links below, apply in personal at any one of our convenient branches, or apply by telephone - 800-342-2824.  

Here's what we have to offer:

Home Improvement Loans – Apply Now                                                                 Our Homeowner’s Signature Loan is made especially for home improvement projects.  Whether it’s a fixer-upper or remodeling, this is the right loan for you.  

Loans for your every need – Apply Now                                                              We’ll help you finance all of life’s necessities.    

•   New and used auto loans

•   Personal loans

•   Line of Credit loans

•   Share secured loans

•   Student loans

•   New and used boat loans

•   Bill consolidation loans

•   RV loans

•   New and used motorcycle loans

•   Mobile home loans

Credit Cards

Click here for more information about Credit Cards

Loan applicants must be of legal age.                                                                       Click here to see our current Rates.                                                                          Click here to calculate payments.

*APR is Annual Percentage Rate. Rate is as of December 15, 2006 and could change at anytime.  Conditions and credit approval apply.  Rate remains at 7.49% APR for the first three years of the loan, then converts to Prime Rate minus 0.25% for the life of the loan, and adjusts when Prime Rate adjusts (rate may adjust monthly).  As of December 15, 2006 Prime Rate is 8.25% and loan rate would be 8.00% APR. Maximum annual percentage rate is 18%. Maximum loan amount is 89.9% LTV. Inactivity fee of $50 if customer does not incur $100 in interest over 12-month period. Prepayment fee for first 36 months: reimbursement of all closing costs paid by Atlantic Coast Bank on behalf of the customer. Adequate property insurance required. Total fees for this loan range from $600 to $1,000 if customer does not qualify for or does not choose the no-closing-cost option. Minimum draw is $20,000 at closing to avoid closing costs, and must be a new loan. Maximum loan amount is $300,000 for no closing cost option.