Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
4.50% - 10.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
Starting at $NaN
Loan Term (Months)
48 - 60
Capital Bank Personal Loans Review
Capital Bank Personal Loans is offered by Capital Bank, a bank founded in 1995 and based in Albany, NY. Capital Bank personal loan are available in 2 states.
Key Takeaways
- APRs starting at 4.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Capital Bank Personal Loans are on the lower end of the spectrum.
- No origination fee. Capital Bank Personal Loans does not charge a loan origination fee.
Capital Bank personal loan Pros & Cons
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Capital Bank personal loan FAQ
What interest rates and personal loan terms does Capital Bank personal loan offer?
Capital Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Capital Bank personal loan offer?
Capital Bank personal loan offers a fixed APR personal loan product that ranges from 4.50% APR up to 10.00% APR.
How much can you borrow via Capital Bank personal loan?
Personal loan amounts start at .
What is the maximum loan term you can get with Capital Bank personal loan?
Capital Bank personal loan offers loans with terms of up to 60 months.
| Personal Loan Amount | Starting at $10,000 |
| Loan Term | 48 - 60 months |
| APR | 4.50% - 10.00% |
What fees does Capital Bank personal loan charge?
Does Capital Bank personal loan charge an origination fee?
Capital Bank personal loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Capital Bank personal loan charge a late fee?
Capital Bank personal loan does not disclose whether it charges late payment fees.
Does Capital Bank personal loan charge prepayment fees?
No, Capital Bank personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Capital Bank Personal Loans?
Applicants with a credit score of at least 674 and up to 740 may be eligible for Capital Bank Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Capital Bank Personal Loans 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 Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking or savings account
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 674 - 740 |
Does Capital Bank Personal Loans report your account activity to credit bureaus?
Yes, Capital Bank Personal Loans 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 personal loan 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.
Are Capital Bank Personal Loans legit?
Capital Bank was founded in 1995, it is a well-established company that has been in business for 31 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
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