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Personal Lines of Credit
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Last Updated: 04/18/2025

Capital Bank Line of Credit

in Personal Lines of Credit from Capital Bank

Last Updated: 04/18/2025

Capital Bank Line of Credit logo
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Capital Bank Line of Credit Review

Capital Bank Line of Credit is offered through Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank line of credit are available in 2 states.

Capital Bank Line of Credit FAQ

What APRs does Capital Bank Line of Credit offer?

Capital Bank Line of Credit offers an APR , but they do not disclose their rates.

Does the Capital Bank Line of Credit charge an origination fee?

No, Capital Bank Line of Credit does not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Capital Bank Line of Credit charge a cash advance fee?

Yes, Capital Bank Line of Credit may charge a fee .

Does Capital Bank Line of Credit charge a late fee?

Yes, Capital Bank Line of Credit may charge borrowers a late payment fee .

What do you need to qualify for Capital Bank Line of Credit?

Capital Bank Line of Credit does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Capital Bank Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Capital Bank Line of Credit.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Capital Bank Line of Credit report your account activity to credit bureaus?

Yes, Capital Bank Line of Credit reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Capital Bank perform a hard credit pull?

Yes, Capital Bank line of credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Capital Bank Line of Credit

  • Visit the Capital Bank Line of Credit website.
  • Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

132 State Streen
Albany, NY 12207
Visit Site

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 1:00PM

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